Senior Mortgage Underwriter - REMOTE

Optello - Brentwood, TN - We are a community bank that was built from the ground up on the idea that our customers and the community should always come first. We do pretty much everything the big banks do. We just do it a little differently, okay, a lot differently. We treat you with respect. And go out of our way to make sure that your banking experience with us is always as pleasurable and rewarding as possible. This position reviews residential mortgage loans and ensures the loans meet or exceed industry standards for investment quality and acceptable risk. During the review process, the underwriter reviews disclosures for compliance with state and federal laws and regulations. Employee reviews and understands various loan documents in an effort to rate the risk for default and potential for loss over the life of residential mortgage loans. Guidelines directing the underwriter's review may come from Fannie Mae, Freddie Mac, VA, FHA, USDA RD, Tennessee Housing, various investors, and state and federal regulators. Top Reasons to Work with Us Fully Remote! $85k-$100k Base + Bonus and OT! Great Company Culture and Benefits! What You Will Be Doing Works with conventional and government-insured, or government-guaranteed loans including but not limited to loans defined as; Fannie Mae, Freddie Mac, FHA, VA, THDA, and Rural Development USDA Reviews files with conforming and non-conforming loan amount Reviews credit reports, employment verifications, pay stubs, tax returns, bank statements, divorce decrees, bankruptcy filings, and many other personal documents related to credit, income and assets Reviews collateral related documentation such as appraisals, property surveys, inspection reports, title commitments, sales contracts, flood zone certificates, and other real estate-related documents Compares the loan profile to prescribed guidelines Validates the authenticity and integrity of documents provided Communicates loan decisions to the appropriate personnel as directed by their supervisor Assists post-closing coordinator in clearing additional conditions required by investors Stays current on all agency investor, Federal, and state regulations and guidelines related to mortgage lending Assists with internal and external audits as directed Provides timely responses for loan decisions and condition clearing Works with the closing coordinator to properly close loans with the correct documents, terms, and conditions required, and assists in making corrections when needed to close a loan and to meet deadlines Serves as backup for various mortgage operations positions as needed Attends seminars and training, reads industry-related publications to stay current with loan products, guidelines, regulations, and requirements Provides service that aligns with our Brand Promise: We are a growing community of friends - one relationship at a time What You Need for this Position College degree or equivalent professional experience related to residential mortgage loan underwriting required Minimum of three years of successful mortgage loan underwriting experience required Direct Endorsement (DE) required and VA SAR designations highly desired Comprehensive knowledge of Open Close or other loan origination system (s), and website housing investor guidelines such as "All Regs" and Optimal Blue- Good Microsoft Office skills Ability to communicate effectively through writing, speaking and listening Ability to work effectively and accurately with internal and external customers to speed the loan review Ability to respond to questions and defend underwriting decisions in a professional and productive manner Must be flexible with regards to overtime requirements, including days longer than 8 hours or working weekends and holidays, as needed Ability to multi-task and handle interruptions while maintaining excellent organizational and attention to detail skills Strong commitment to outstanding customer service- Must adhere to strict privacy policies using the utmost discretion with regard to borrower information. What's In It for You Competitive base salary ($85k-$100k + Bonus and OT) and overall compensation package Full benefits: Medical, Dental, Vision 401 (K) with generous company match Vacation, sick, and paid holidays Life Insurance coverage So, if this sounds like yourself, we'd love to hear from you! Either Apply directly to this job opening here! Or E-mail directly for more information to patrick.solano@Optello.com Email Your Resume In Word To Looking forward to receiving your resume through our website and going over the position with you. Clicking apply is the best way to apply, but you may also: Patrick.Solano@Optello.com Please do NOT change the email subject line in any way. You must keep the JobID: linkedin : PS2-1595993 -- in the email subject line for your application to be considered.*** Patrick Solano - Executive Recruiter - Optello Applicants must be authorized to work in the U.S. Optello is proud to be an Equal Opportunity Employer All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, protected veteran status, or any other characteristic protected by law. Your Right to Work - In compliance with federal law, all persons hired will be required to verify identity and eligibility to work in the United States and to complete the required employment eligibility verification document form upon hire.... - Permanent - Full-time

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