Mortgage Underwriter Job at Flat Branch Home Loans, Chesterfield, MO

WExUdkt0NTV5dkt5OHhPekVYajNId0o3bmc9PQ==
  • Flat Branch Home Loans
  • Chesterfield, MO

Job Description

Description

Job Summary:

We are seeking a detail-oriented and knowledgeable Underwriting Questions Agent to support our underwriting team and sales teams by managing a pipeline of complex mortgage-related inquiries. This role involves evaluating and responding to scenario questions, guideline clarifications, overlay interpretations, income calculations, and condo reviews. The ideal candidate will have strong analytical skills, the ability to research and interpret guidelines, and the expertise to assess risk in exception requests. This role requires excellent communication skills and collaboration with loan teams to ensure efficient and accurate underwriting decisions are being made.

This position has opportunity to be fully remote once training is complete. Canidates who live within driving distance of Columbia, MO, Chesterfield, MO, or Jefferson City, MO office locations will be considered.

Key Responsibilities

  • Manage and prioritize a pipeline of underwriting inquiries, including guideline and overlay questions, along with scenario reviews.
  • Research and interpret agency, investor, and company overlays to provide accurate guidance to loan teams.
  • Perform complex income calculations to determine borrower qualification.
  • Review condominium projects for eligibility and compliance with lending guidelines.
  • Assess and evaluate exception requests to determine if the risk on a loan is acceptable for waiving specific requirements.
  • Communicate underwriting decisions and guidance clearly to loan officers, processors, and underwriters.
  • Stay current on industry guidelines, regulatory changes, and investor requirements to provide up-to-date responses.
  • Collaborate with teams and leadership to ensure alignment on policy interpretations and risk assessment.

Requirements

Qualifications & Skills:

  • Experience: 3+ years in mortgage underwriting or a related role in mortgage lending.
  • Knowledge: Strong understanding of agency guidelines (Fannie Mae, Freddie Mac, FHA, VA, USDA), investor overlays, and risk assessment.
  • Skills:
  • Strong research and analytical skills for guideline interpretation and risk evaluation.
  • Excellent verbal and written communication skills for clear and concise responses.
  • Ability to manage multiple priorities in a fast-paced environment.
  • Proficiency in income analysis, including self-employed borrower income calculations.
  • Strong decision-making skills with the ability to think critically and assess out-of-the-box scenarios.
  • Ability to collaborate effectively with underwriting teams, loan officers, and other team members.

Job Tags

Self employment,

Similar Jobs

Smart House Mate LLC

House Cleaning Professionals Job at Smart House Mate LLC

 ...About the Position We are seeking hardworking, motivated House Cleaners to join our team.Applicants should be equipped with their cleaning supplies, have reliable transportation, and be tech-savvy (or willing to learn) with a willingness to undergo background checks... 

the Newark Museum of Art

Research Assistant Job at the Newark Museum of Art

Research Assistant, the Newark Museum of Art. 03/21/2025. Hybrid:Newark, NJ. $32.00 (Hourly). Freelance/Consultant. Experienced(Non-Manager...  ...at least two days in the office and may work up to one day remotelyper week. Work is not to exceed 25 hours per week.The... 

CLAE SOLUTIONS

Community Solar Advisor Job at CLAE SOLUTIONS

 ...Job Description Clae Goldman Team is seeking a passionate and knowledgeable Community Solar Advisor to join our team. Our mission is to protect customers from rising energy costs, offer discounts, and promote green energy. As a Community Solar Advisor, you will be responsible... 

Five Below

Store Manager Job at Five Below

At Five Below our growth is a result of the people who embrace our purpose: We know life is way better when you are free to Let Go & Have Fun in an amazing experience, filled with unlimited possibilities, priced so low, you can always say yes to the newest, coolest stuff... 

ThreePDS

SENIOR MULESOFT DEVELOPER Job at ThreePDS

Our client is seeking an experienced MuleSoft Developer to lead the design, development, testing, and deployment of scalable integration solutions. This role involves working as an individual contributor on complex projects while providing technical guidance to ensure...