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Underwriter I

On Q Financial Tempe ,AZ
  • Expired: over a month ago. Applications are no longer accepted.
Job Description
  • Examines loan documentation for accuracy and completeness, while working with Mortgage Consultant and/or production staff to secure all required documents.
  • Reviews and verifies income, employment and credit history of applicant, requesting additional information as needed.
  • Scrutinizes accounts from which applicants funds originate.
  • Reviews property appraisal to see if property valued correctly to warrant the loan amount requested.
  • Underwrites and applies needed conditions to mortgage applications to assure borrower meets program/ products specifications.
  • Communicates status and decisions (approval, suspense, denial) to the appropriate individuals in accordance with company SLAs.

What you’ll do here

  • Examines loan documentation for accuracy and completeness, while working with Mortgage Consultant and/or production staff to secure all required documents.
  • Reviews and verifies income, employment and credit history of applicant, requesting additional information as needed.
  • Scrutinizes accounts from which applicant’s funds originate.
  • Reviews property appraisal to see if property valued correctly to warrant the loan amount requested.
  • Underwrites and applies needed conditions to mortgage applications to assure borrower meets program/ products specifications.
  • Communicates status and decisions (approval, suspense, denial) to the appropriate individuals in accordance with company SLA’s.

What you’ll need

Education

  • College graduate with business/finance major preferred.

Experience

  • Minimum of 2 years’ recent experience underwriting residential mortgage loans.
  • Experience with Encompass a plus.

Knowledge, Skills and/or Abilities: 

  • Must have thorough understanding of underwriting guidelines and ability to evaluate loan risk.
  • Proficiency in underwriting complex personal/business tax returns and financial statements.
  • Thorough knowledge of MI policies.
  • Strong understanding of various documentation types and loan programs.
  • Must have strong analytical skills, including math and auditing.
  • Good decision-making skills, backed by relevant details and research.
  • Proficiency with Word and Excel or similar software packages.
  • Excellent interpersonal and communication skills, oral and written, with a focus on good customer service.
  • Ability to work in a fast-paced, high volume environment, while practicing sound lending judgment.
  • Ability to work independently and be a self-starter, producing results in a timely manner.
  • Be a team player.

What we provide

  • Medical, Dental & Vision
  • Voluntary Life, AD&D, LTD & STD
  • 401(K)
  • PTO/holiday
  • Work-life balance

We live and breathe our core values: Support, Collaboration, Innovation, Fast-Paced & Pride! Our success over the past decade is largely due to our vision to hire the BEST people in the industry. Is that you? If so, JOIN OUR TEAM!

On Q Financial, Inc. is an Equal Opportunity Employer committed to excellence through diversity. We strongly encourage people of color, lesbian, gay, bisexual, transgender, non-binary, veterans & individuals with disabilities to apply. Diversity and inclusion are vital to fulfilling our Mission to simplify the mortgage process to make the dream of home ownership a reality—for everyone.

Our Multicultural platforms are disrupting the industry which is only made possible by our diverse, unique, and inclusive family.  THE DREAM IS INCLUSIVE!

On Q Financial, Inc.

Address

Tempe, AZ
85280 USA

Website