Previous Job
Previous
Underwriter - Real Estate (USAA)
Ref No.: 16-08009
Location: Tampa, Florida
Purpose of Job Responsible for rendering decisions on credit applications for First Mortgage loans based on established criteria. Determines creditworthiness and risk associated with borrower based on credit profile. Communicate decisions that most effectively mitigate credit risks for USAA, including data integrity and validity of information submitted. Applies understanding of established guidelines, Fair Lending and all other regulatory requirements when evaluating loan attributes while utilizing prudent underwriting judgment and experience.

Job Requirements
We are currently seeking talented Real Estate UW II for our Tampa, FL (Crosstown) facility.
Works under moderate supervision; acquires and applies maturing knowledge of the business, its products, and processes. Uses established procedures and job experience to perform moderately complex work assignments and problem resolution.
Has full understanding of all aspects of mortgage underwriting; has increased lending authority; adheres to established Service Level Objectives (SLOs).
Responsible for underwriting moderately complex loan files; thorough review and evaluation of credit applications to assess the loan package for approval and fraudulent activity.
Provide feedback to the Processors and Originators to improve quality of files.
Maintains knowledge of secondary market activity, and business/industry practices as they impact underwriting quality and origination activity.

Minimum Requirements
Bachelor's degree or equivalent work experience.
2 or more years of related experience and accountability for moderately complex tasks and/or projects required.
4 additional years of related experience beyond the minimum required may be substituted in lieu of a degree.
Developing knowledge of the function/discipline and demonstrated application of knowledge, skills and abilities towards work products required.
Developing level of business acumen in the areas of the business operations, industry practices and emerging trends required.

Preferred
Underwriting certification.
1 year of Recent Conforming and/or VA Back end Underwriting experience.
2 years of Strong working knowledge of current Conforming and/or VA guidelines.
Proven ability to work as a team with processors and originators.
Experience making credit decisions with lending authority.

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

At USAA our employees enjoy one of the best benefits packages in the business, including a flexible business casual or casual dress environment, comprehensive medical, dental and vision plans, along with wellness and wealth building programs. Additionally, our career path planning and continuing education will assist you with your professional goals.

Relocation assistance is not available for this position.

Qualified applicants must successfully complete a pre-employment background and drug screen. Full-Time

ControlID: 14.234.89 SHR