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Jr. Underwriter (Pacific Union Financial LLC)
Ref No.: 16-08093
Location: Charlotte, North Carolina
Responsible for working closely with assigned team and underwriters to procure outstanding conditions (both internal and external). Communicate with the sales coordinators in areas related to training, compliance by the broker related to condition delivery processes and completeness of files. Review appropriate documentation to satisfy conditions and move loans through the pipeline efficiently from submission to funding. Work under immediate supervision and report to Manager, Director or VP of department.
Essential Functions:
  1. Adhere to general work requirements
  2. Work closely with underwriters, request documentation and follow up on missing conditions
  3. Assist in moving loans from submission to clear to close
  4. Track and communicate training opportunities with the client's sales coordinator
  5. Ensure all processes and checklists are completed accurately on each loan file
  6. Order internal conditions for each loan per the Loan Approval
  7. Re-disclose as required by law on valid change in circumstances and/or coordinate with proper associates to ensure timeliness
  8. Put notes in DataTrac on each loan no later than every 10 days
  9. Clear conditions in accordance with level of authorization
  10. Perform other duties as assigned
Job Requirements
General Skills:
  • Good verbal and written communication skills
  • Ability to provide outstanding customer service in fast-paced environments
  • Proficient working knowledge of computerized applications such as word processing, spreadsheet, database, presentation software, email and specialized business applications software
  • Presentation skills necessary to effectively communicate, update, persuade and/or facilitate discussions with all levels of management
  • Interpersonal skills necessary to establish and maintain effective working relationships with coworkers, other business areas and government agencies as required
  • Ability to:
    • read and interpret complex reports and documents
    • assimilate and interpret various sources of data and provide and make decisions on recommendations to executive management to solve highly complex problems from start to finish
  • Planning and organizational skills necessary to coordinate workload around multiple assignments

Minimum Qualifications:
  • High school diploma or GED
  • 3-5 years of mortgage banking loan processing or junior underwriting experience
  • Familiarity with LOS and AUS system
  • Previous experience with RESPA 2010, HMDA, HOEPA, SAFE ACT and familiar with new GFE/TIL, MDIA requirements
  • Familiarity with DU/LP AUS and LOS systems and Data Trac
  • Bachelor's degree in relevant field or equivalent work experience
ControlID: 14.234.89 SHR