Darbas, LLC

Company Description

Essential Job Functions

  • Obtain new and modified mortgage insurance certificates from mortgage insurance carriers prior to issuing clear to close
  • Review conditions submitted on loans from Account Managers and signs off the condition when appropriate
  • Review and analyze documentation provided on each loan including the 1003, credit report, income and asset documentation, purchase agreement, title report, etc. to make an informed lending decision in compliance with companys polices and guidelines.
  • Calculate borrowers income and debt-to-income ratios
  • Document lending decisions and completes required screens in the LOS that include the accurate completion of the 1008 as well as adding and/or creating applicable conditions of the loan approval
  • Work closely with Account Manager and/or Account Executive to answer loan specific underwriting questions, to discuss specific conditions or documentation requested and to resolve problems
  • Run, read and interpret Automated Underwriting Decision results (DU/LP)
  • Adhere to underwriting guidelines to fulfill agency requirements
  • Displ
    ay excellent verbal, written and interpersonal communication skills
  • Provide assistance to expedite final approval of the file
  • Maintain and cultivate an effective working relationship with internal and external customers
  • Respond to all inquiries in a timely manner as established by company SLAs
  • Embrace company culture
  • Be able to adjust work and thought process to accommodate changes in the lending environment
  • Consistently meet or exceed established minimum productivity levels as determined and required by management for both underwriting of files and condition management
  • Act as a role model of the companys values, acting in an ethical and professional manner at all times
  • Assists Underwriting Department with any additional tasks necessary

Essential Job Skills

  • Strong organizational and time management skills
  • Working knowledge of lending compliance and regulations
  • Excellent verbal, written and interpersonal communication skills
  • Strong attention to detail and accuracy
  • Ability to work both independently and in a team environment
  • Ability to multi-task and work in a deadline driven environment
  • Effective written and verbal communication skills
  • Ability to identify and resolve problems in a timely manner
  • Effective decision-making, customer service, sales, customer support and problem-solving skills
  • Proficient in Microsoft Office (Word and Excel) programs
  • Customer focused

Qualifications and Experience

  • Minimum of 4 years in mortgage lending experience, preferably with emphasis on underwriting and credit analysis
  • Knowledge of loan regulatory guidelines
  • Ability to analyze and interpret credit reports, income documentation, asset statements, residential appraisal reports and other mortgage loan documentation
  • Professional written, verbal and interpersonal communication skills
  • Proficient running, reading and interpreting DU/LP recommendations
  • Working knowledge of the mortgage process

Contact Information:

Contact: Mar Dionson
Darbas, LLC
Email: mar@darbasllc.com
WWW: http://www.smartrecruiters.com


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