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Part Time Caliber Home Loans Underwriter Jobs (NOW HIRING)

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Part Time Caliber Home Loans Underwriter information

What is a part time Caliber Home Loans underwriter?

Part Time Caliber Home Loans Underwriters are professionals who assess and evaluate mortgage loan applications for Caliber Home Loans on a part-time basis. Their main responsibility is to review borrowers' financial documents, credit reports, and property information to determine if applicants meet loan eligibility criteria. They ensure that all loans comply with company policies and regulatory guidelines while minimizing risk to the lender. Working part-time allows them to have a flexible schedule, but they are still expected to maintain high accuracy and efficiency in their evaluations.

What are the key skills and qualifications needed to thrive as a part time Caliber Home Loans underwriter?

To excel as a Part Time Caliber Home Loans Underwriter, you need strong analytical skills, attention to detail, and knowledge of mortgage lending guidelines, usually supported by a relevant degree and prior underwriting experience. Familiarity with mortgage loan origination systems (LOS), automated underwriting systems (AUS) like DU/LP, and industry certifications such as DE (Direct Endorsement) or SAR (Staff Appraisal Reviewer) is often required. Excellent communication, time management, and problem-solving abilities help in managing multiple files and collaborating with loan processors and originators. These skills ensure accurate risk assessment, regulatory compliance, and timely loan decisions, which are critical for both customer satisfaction and business efficiency.

What are some common challenges faced by part time Caliber Home Loans underwriters, and how can they be addressed?

Part-time underwriters at Caliber Home Loans often encounter challenges such as managing fluctuating workloads, staying updated with regulatory changes, and ensuring effective communication with the full-time underwriting team. To address these, it's important to maintain strong organizational skills, proactively participate in ongoing training sessions, and utilize collaboration tools to stay connected with colleagues. Building a routine for regularly reviewing updates and best practices can also help part-time underwriters remain efficient and accurate in their decision-making.

What is the difference between Part Time Caliber Home Loans Underwriter vs Part Time Loan Processor?

AspectPart Time Caliber Home Loans UnderwriterPart Time Loan Processor
CredentialsTypically requires mortgage underwriting certifications and knowledge of loan guidelinesRequires familiarity with loan documentation and processing procedures, but fewer certifications
Work EnvironmentPerforms detailed loan risk assessments, often in an office settingHandles loan documentation and communication, often in an office environment
Employer & Industry UsageUsed by mortgage lenders like Caliber Home Loans, in the mortgage industryCommon in mortgage companies, banks, and lending institutions

The main difference is that the Part Time Caliber Home Loans Underwriter evaluates loan risk and approves or denies loans based on guidelines, requiring specific underwriting certifications. In contrast, the Part Time Loan Processor manages loan documentation and prepares files for underwriting, focusing on data accuracy and completeness. Both roles are essential in the mortgage process but differ in responsibilities and required credentials.

What cities are hiring for Part Time Caliber Home Loans Underwriter jobs?

Cities with the most Part Time Caliber Home Loans Underwriter job openings:

What are the most commonly searched types of Caliber Home Loans Underwriter jobs?

The most popular types of Caliber Home Loans Underwriter jobs are:

Part Time Caliber Home Loans Underwriter jobs near you

Mortgage Loan Originator (MLO) - Dual Compensation

Local Bank

Maitland, FL • On-site

Part-time

Re-posted 23 days ago

Job description

Job Type
Part-time
Description
The Dual Compensation Loan Originator (DCLO) position is designated for an aspiring MLO, which also serves in a licensed Realtor profession. The DCLO is responsible for generating residential mortgage loan production through developing and maintaining strong client relationships, providing exceptional service, and guiding customers through the home loan process. This role actively seeks new business opportunities, evaluates borrower needs, and ensures all mortgage applications comply with regulatory and bank policies.
Business Development & Customer Service
  • Build and maintain a strong pipeline of mortgage prospects through referrals, community involvement, and networking activities.
  • Conduct borrower consultations to understand financial goals and recommend suitable mortgage solutions.
  • Maintain consistent, timely communication with borrowers, realtors, builders, and internal partners throughout the loan process.
  • Deliver exceptional service to promote customer satisfaction, repeat business, and referrals.

Loan Origination & Processing
  • As a DCLO, agree to a partnership assignment with a tenured MLO or producing sales manager.
  • Assist borrowers with mortgage pre-qualification, pre-approvals, and qualifying.
  • Help collect and verify financial documentation for application accuracy.
  • Collaborate with department management, underwriters, processors, and closing staff to facilitate efficient and timely loan decisions and closings.
  • Monitor loan progress and proactively address information requests or conditions.

Compliance & Risk Management
  • Ensure all loan interactions and documentation comply with federal, state, and bank regulations such as RESPA, TILA, HMDA, and Fair Lending.
  • Maintain accurate and complete loan records in accordance with bank standards.
  • Stay current on mortgage programs, market trends, interest rates, and regulatory changes affecting the mortgage industry.

Performance & Reporting
  • Meet or exceed individual production goals and performance expectations.
  • Track and report pipeline activity, conversion ratios, and lead sources.
  • 100% in-person or virtual participation in all mandatory sales meetings, division meetings, company-wide meetings, product training, compliance trainings, and/or equivalent type development meetings.
  • With all clients, the DCLO agrees to disclose to all applicants potential representation in a dual capacity, and agrees to secure signed agreements acknowledging this disclosure requirement.
  • Other duties and responsibilities as assigned.

Requirements
Working Conditions:
  • Standard office environment or remote with moderate travel within the assigned market; occasional travel for meetings and events.
  • The DCLO position is part-time and considered exempt under the FSLA outside sales exemption.
  • The DCLO position must demonstrate at least one year's worth of full-time employment in a licensed Realtor profession, specifically within the Orlando/Central Florida region.
  • The DCLO employee must continue to maintain full-time employment in a Realtor or equivalent type real estate profession.
  • The DCLO position is not eligible for benefits.
  • Flexibility to work evenings or weekends based on borrower availability.
  • Ability to represent the bank professionally at networking and community events.
  • Prolonged periods sitting at a desk and working on a computer.
  • Must be able to lift up to 15 pounds at times.
  • Professional attire required.

Qualifications:
  • High school diploma or equivalent required; associate or bachelor's degree preferred.
  • Active NMLS registration or the ability to obtain an active NMLS registration with the ability to maintain SAFE Act compliance.
  • Strong understanding of residential mortgage products, underwriting standards, and the loan process.
  • Excellent interpersonal, communication, and problem-solving skills.
  • Ability to work independently, manage multiple loan files, and prioritize deadlines.

Dual representation limitations:
  • The DCLO applicant acknowledges that certain states regulations, state funded down payment assistance programs, and investors may not accept dual representation. Local Bank reserves the right to withhold compensation where dual capacity limitations are governed by other authorities.
  • The DCLO applicant hereby acknowledges that this position is part-time, commission only and ineligible for benefits.

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