<p>Are you an expert in FHA and VA underwriting with a sharp eye for detail? ResiCentral is seeking a seasoned Senior Government Underwriter to review and decision loan files with precision and sound judgment. If you're ready to own complex files and thrive in a fast-paced, collaborative environment-apply today!</p> <p>Job Summary</p> <p>Responsible for ensuring the quality and integrity of underwriting decisions and processes as well as providing exceptional service to all stakeholders involved. This requires extensive knowledge of our underwriting guidelines including agency, jumbo, and government loans and the ability to address complex loan scenarios. The role requires the ability to manage a pipeline of loans assigned each day proactively and effectively while maintaining SLAs on all job tasks. In addition, the ability to communicate underwriting decisions and needed documentation to Sales and Broker Clients accurately and clearly.</p> <p>Duties/Responsibilities</p> <p>Reasonable accommodations may be made to enable individuals with disabilities to perform these essential functions.</p> <ul> <li>Underwrite a full range of mortgage loans including Agency, FHA, and VA loans. </li><li>Proactively manage a pipeline of loans with a sense of ownership. </li><li>Review all mortgage related documentation for accuracy and completeness and meet company guidelines. </li><li>Analyze and underwrite FHA and/or VA mortgage loan files, ensuring compliance with HUD Handbook 4000.1 and VA Lender Handbook requirements. </li><li>Maintain up-to-date knowledge of FHA/VA guidelines and investor overlays; apply program rules accurately and consistently. </li><li>Perform mortgage credit analysis, with or without the assistance of automated underwriting system, to determine borrower's willingness and ability to repay the mortgage debt. This is done by reviewing the credit package to determine mortgage amount and term, calculating required investment, determining assets available for closing, analyzing credit history, calculating proposed monthly housing expense, and recurring debt. </li><li>Review credit documents for completeness and accuracy. </li><li>Perform detailed review of appraisal reports. </li><li>Request missing documentation necessary to complete the underwriting decision clearly and concisely. </li><li>Assess borrower risk, property valuation, and potential fraud indicators; recommend conditions or alternative structures as needed to mitigate risk. </li><li>Partner with Operations, Sales, and Clients to promote ResiCentral's underwriting philosophy and provide education when needed. </li><li>Develop expertise in ResiCentral's proprietary software and internal technology platforms to streamline workflow and decisioning. </li><li>Provide best-in-class client service through friendly, professional, and responsive communication with both internal and external customers. </li></ul> <p>Required Skills/Abilities</p> <ul> <li>Strong knowledge of FHA and VA guidelines. </li><li>Proficiency with automated underwriting systems such as DU, LPA, and Total Scorecard. </li><li>Proficiency in underwriting manual FHA/VA loans. </li><li>Self-starter with strong work ethic and professionalism. </li><li>Team player with the ability to work independently to meet critical deadlines. </li><li>Strong written/verbal communication skills. </li><li>Unwavering attention to detail. </li><li>Provide exemplary service in all client interactions and communications; always uphold the ResiCentral service standards and exercise good judgment. </li></ul> <p>Physical Requirements</p> <ul> <li>Prolonged periods sitting at a desk and working on a computer. </li></ul> <p>Travel Required</p> <ul> <li>None. </li></ul> <p>Education and Experience</p> <ul> <li>High school diploma or GED required. BA or BS highly desired. </li><li>5+ years of experience underwriting FHA, VA, and Conventional loans. </li><li>5+ years of experience reviewing Appraisal Reports. </li><li>FHA Direct Endorsement (DE) designation required. </li><li>VA SAR/LAPP designation required. </li><li>Encompass experience required. </li></ul> <p>Other Duties</p> <p>Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.</p> <p>Standard work hours are 9:00 AM to 5:00 PM MST or PST.</p>