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Sr. Underwriter (Atlantic Home Loans, Inc)
Ref No.: 16-08434
Location: Bethlehem, Pennsylvania
At Atlantic Home Loans, we're committed to providing the highest quality, professional service in the mortgage industry. As an established mortgage banker licensed in multiple states, our only business is providing home financing to our clients. As the old adage goes, "do only one thing, and do it the best”, and we bring this to work with us every day. We strive to be the premier mortgage lender in our markets.
Every great company is built upon a strong corporate culture that is dedicated to its employees, and clients, and our culture permeates throughout everything we do.
Job Description:
We are seeking an experienced, knowledgeable Sr. Mortgage Underwriter to join our team of dedicated mortgage professionals.
SIGN ON BONUS AVAILABLE FOR THE RIGHT CANDIDATE!
Qualifications:
  • Bachelor's Degree in either finance or business preferred
  • DE certification required. VA LAPP preferred
  • Certifications in Federal Housing Administration (FHA) or Veteran's Administration (VA) and The Mortgage Bankers Association (MBA) preferred.
  • Experience: 3 – 5 years minimum mortgage underwriting experience (Conventional and Government loans)
  • Knowledge of Conventional, FHA, USDA and VA guidelines required
  • Familiarity with underwriting formulas/guidelines of various mortgage companies, banks, and investors is preferred.
  • Knowledge of State/Federal regulations to maintain loan file compliance
  • Experience with and knowledge of QC processes a plus
  • Knowledge of Encompass system preferred
  • Excellent oral and written communication skills required.
  • Strong ability to multi task, in a fast paced working environment.
  • Strong Microsoft Office skills required.
Duties and Responsibilities include:
  • Underwrite Conventional, VA, USDA & FHA loans to ensure adherence to investor guidelines.
  • Adhere to all investor and AHL underwriting overlays.
  • Preview all files being underwritten by outside brokers or correspondents to ensure due diligence
  • Keep up to date on policy changes and communicate policy changes to appropriate personnel
  • Ensure that the borrower has the financial ability to repay the loan by obtaining all necessary documentation, verifying that the individual meets the required guidelines and evaluating the associated risks.
  • Evaluate and verify mortgage applications and determine whether to accept or reject.
  • Handle title review and documentation preparation.
  • Communicate with operations managers, mortgage bankers, processors and closers to ensure all parties are notified of issues and progressions on the underwriting of the mortgage file.
Compensation:
We offer a highly competitive salary and benefits package.
Atlantic Home Loans, Inc. provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability or genetics. In addition to federal law requirements, Atlantic Home Loans, Inc. complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.
Job Type: Full-time
Required experience:
  • Underwriting: 3 years
ControlID: 14.234.89 SHR