As an Underwriter III working for Taylor Morrison you will be Responsible for the thorough review of in-house loans and pre-submission reviews of externally underwritten loans and ensuring that all loans are underwritten according to agency and investor guidelines. Promotes excellent customer service and related activities, and works with Management, Loan Consultants, Client Coordinators and Closers.
We trust that as an Underwriter III you will: (responsibilities)
Responsible for determining and issuing the credit decision of FHA, VA and conventional, conforming including high balance and super conforming mortgage loan applications for conventional loans, and FHA and VA loan limits as published) according to agency and lender guidelines
Assess the borrower(s) ability to repay, including validation of the borrower(s) employment, income, credit, assets and collateral as well as clearing any applicable underwriting conditions
Complete reviews of loans that will be underwritten as a prior-approved loans with the company’s investors and providing feedback to Client Coordinators and Loan Consultants
Maintain up to date knowledge of all agency and investor underwriting guidelines and credit overlays
Provides high quality customer service, including underwriting to the companies service level expectations
You are willing to perform other duties as assigned
What you will need: (competencies, behaviors & attributes)
Customer Focused
Dependability/Creativity
High Energy Level
Integrity/Honesty
Responsive
Self-Starter
About you:
Bachelor’s degree and minimum 10 years’ of experience in the mortgage/finance industry, and 5-7 years’ underwriting experience
Must hold a FHA Direct Endorsement Certification and VA SAR and have a thorough and comprehensive understanding of all FHA, VA, FNMA and FHLMC underwriting guidelines and investor overlays
Possesses comprehensive working knowledge of subject matter
Automated underwriting software required
Must be highly proficient in reviewing and analyzing all levels of individual and business income tax returns
FLSA Status: Non-Exempt
Will have responsibilities such as:
This position is considered a non-exempt position for purposes of wage-hour law, which means that you will be required to keep a time record and will be eligible for overtime pay.
Essential Functions:
Successful job applicants will be able to perform these functions. Reasonable accommodations will be made to enable individuals with disabilities to perform the essential functions.
Report to Division/Corporate Office/Community daily and adhere to schedule
Ability to access, input, and retrieve information from a computer and/or electronic device
Ability to have face to face conversations with customers, co-workers and higher level manager
Ability to sit or stand for long periods of time and move around work environment as needed
Ability to operate a motor vehicle if applicable
Comply with company policies and procedure
Physical Demands:
Must be able to able to remain in a stationary position up to 50% of the time
*Taylor Morrison experience and/or successful completion of training program may override required education and/or experience requirement.
Must reside in one of the following states: AZ, CO, FL, GA, KY, NV, NJ, NC, OR, PA, SC, TN, TX, WA, WV
Job descriptions are not intended as, nor should be construed to be, exhaustive lists of all responsibilities, skills, efforts, or working conditions associated with a job. They are intended to be accurate reflections of those principal job duties and responsibilities essential for making fair pay decisions about the job.
