What are the responsibilities and job description for the Government Mortgage Underwriter - Lafayette, LA position at DSLD Homes?
Government Mortgage Underwriter (Full-Time) – Lafayette, LA
- Days and hours of work are Monday – Friday 8:00 a.m. to 5:00 p.m.
JOB DUTIES & RESPONSIBILITIES
- Validate automated underwriting findings, asset, income, and collateral documents while verifying accuracy and completeness.
- Review appraisal to ensure valuation is accurate and value is supported.
- Calculate and review the Net Tangible Benefit in applicable states.
- Communicate with processors, sales management, or processing management as needed to ensure all parties are aware of loan status and any outstanding requirements.
- Ensure you meet daily, weekly and monthly internally specified requirements surrounding productivity metrics.
- Ensure the loans in your pipeline are being underwritten with attention to detail, accuracy, and within compliance of current agency, investor, corporate, and RESPA policies.
- Responsible for finding solutions to challenging scenarios or loan conditions by collaborating with underwriting or processing colleagues.
- Represent the organization well by providing exceptional communication skills written and orally when interacting with internal and external customers, vendors, members of state and regional government entities, and other organizations.
- Ensure exceptional customer service by maintaining thorough knowledge of lending programs, policies, corporate procedures, and regulatory requirements.
- Demonstrate a commitment to professional ethics, compliance with all Federal and State policies, and adhering to HMDA requirements.
JOB REQUIREMENTS & SKILLS
- Solid knowledge of conventional and government underwriting guidelines required.
- Extensive mortgage guideline, compliance, and documentation knowledge with prior experience or equivalent to Jr. Underwriting or Sr. Processing.
- Candidate must have CHUMS, SAR and USDA underwriting experience.
- Be actively underwriting FHA, VA, USDA loans in the last 24 months.
- A minimum of 5 years’ experience in FHA, USDA and VA underwriting.
- Intimate working knowledge of FNMA DO/DU, FHLMC LP, USDA GUS
- Excellent analytical and organizational skills.
- Ability to work independently and in a team environment.
- Working knowledge of mortgage-related software, ability to quickly learn and comprehend Encompass software
- Extremely familiar with all types of refinances from IRRL’S to cash-out refinances
- Exceptional customer service and effective communication.
COMPENSATION
- Salary based upon experience
BENEFITS
- DSLD Homes offers a benefits package for full-time employees that includes, but is not limited to, medical, dental and vision coverage, 401(k) with employer match, long term disability, life insurance, paid vacation and holidays.
- Please visit www.dsldhomes.com for more information.
Candidates cannot be on one of the lists below in order to be considered for the position.
- U.S. General Services Administration (GSA) Excluded Parties List (EPL).
- HUD Limited Denial of Participation List (LDP List).
- Federal Housing Finance Agency’s (FHFA) Suspended Counterparty Program (SCP) list.
- Office of Foreign Asset Control (OFAC) list.
DSLD is an Equal Opportunity Employer
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