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Job Details

Non Conforming Mortgage Underwriter 3 Remote

Kansas City, MO, United States

Posted on
Mar 31, 2021

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Job Description

Important Note: During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume when submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message. In order to receive text message invitations, your profile must include a mobile phone number designated as 'Personal Cell' or 'Cellular' in the contact information of your application.

At **MEMBERS ONLY**SIGN UP NOW***., we are looking for talented people who will put our customers at the center of everything we do. We are seeking candidates who embrace diversity, equity and inclusion in a workplace where everyone feels valued and inspired.

Help us build a better **MEMBERS ONLY**SIGN UP NOW***.. It all begins with outstanding talent. It all begins with you.

**MEMBERS ONLY**SIGN UP NOW***.'s Consumer Lending businesses empower millions of customers to achieve their dreams every day. Whether it's buying a home, purchasing a car, funding a significant purchase, or making important daily credit card purchases, Consumer Lending provides important credit products and services that help our customers succeed. The group includes Home Lending; Auto; Cards, Retail and Merchant Services; Personal Lending; Consumer Lending Control; and Consumer Lending Shared Services.

The Consumer Lending team partners with other businesses across **MEMBERS ONLY**SIGN UP NOW***. to create and deliver transformational experiences that help customers gain access to credit. The vision for the Consumer Lending business is to leverage technology and data to make it simple for customers to easily access credit when and where they need it. Consumer Lending serves customers across the country through our distribution network of more than 5,300 retail banking branches and Home Lending offices, as well as online and digital channels.

During the application process, ensure your contact information (email and phone number) is up to date and upload your current resume when submitting your application for consideration. To participate in some selection activities you will need to respond to an invitation. The invitation can be sent by both email and text message. In order to receive text message invitations, your profile must include a mobile phone number designated as 'Personal Cell' or 'Cellular' in the contact information of your application.

**MEMBERS ONLY**SIGN UP NOW***. is looking to expand our Non Conforming Mortgage Underwriting Team and hire a number of Telecommute Mortgage Loan Underwriter 3 positions who have a strong desire and passion to deliver an exceptional experience in helping customers with their home loan applications. If you thrive on working with high accuracy and attention to detail and working with a team to meet customer needs, we want to talk to you!

Roles & Responsibilities:

Responsible for reviewing, analyzing, approving and underwriting large, unusual or complex individual consumer requests and products within company and industry guidelines. Dependent on division and complexity of underwriting, functions may include reviewing financial statements, credit reports, and applicable ratios(i.e. Debt ratios, loan-to-value); evaluating; examining transactions to ensure accuracy and completeness; preparing formal reports for review; ensuring that documents are consistent and uphold to company and industry guidelines; implementing fraud detection techniques, performing compliance reviews; assisting with re-negotiations of loans based on lending guidelines; contacting customers and partners to gather information to make appropriate decisions, explain rationale behind credit decision. May provide work direction and/or training to lower level team members and provide performance feedback to supervisor/manager.

This SAFE position has customer contact and job duties which may include the offering/negotiating of terms and/or taking an application for a dwelling secured transaction. As such, this position requires compliance with the S.A.F.E. Mortgage Licensing Act of 2008 and all related regulations. Ongoing employment is contingent upon meeting all such requirements, including acceptable background investigation results. Individuals in a SAFE position also must meet the Loan Originator requirements under Regulation Z (LO) outlined in the job expectations below.

'Preferred locations are listed on the job posting. Other locations within the **MEMBERS ONLY**SIGN UP NOW***. footprint may be considered.'

CO – Min: $51,100 Mid: $80,000 Max: $113,500


Visit **** for benefits information

Required Qualifications

4 years of underwriting experience
3 years of underwriting experience with mortgage, commercial credit, or a combination of both

Desired Qualifications

Basic Microsoft Office skills
Strong analytical skills including analyzing complex data
Excellent verbal, written, and interpersonal communication skills
Ability to interact with all levels of an organization
Ability to work effectively in a virtual team environment
1 year of experience with income analysis including exposure to reviewing self-employment, corporate, and partnerships tax returns
Knowledge and understanding of underwriting: non-conforming loan process

Other Desired Qualifications

Extensive non agency/non conforming/portfolio underwriting experience
Advanced asset analysis and experience working with all types, and extensive experience with layering risk and evaluation
Experience working with highly affluent clientele
Current or previous lending exception authority

Job Expectations

This position requires SAFE registration at the time of employment. **MEMBERS ONLY**SIGN UP NOW***. will initiate the SAFE registration process immediately after your employment start date. The Nationwide Mortgage Licensing System (NMLS) web site (****) provides the MU4R questions and registration required for employment in this position.
Individuals in Loan Originator (LO) positions must meet the Consumer Financial Protection Bureau qualification requirements and comply with related **MEMBERS ONLY**SIGN UP NOW***. policies. The LO qualification requirements include meeting applicable financial responsibility, character, general financial fitness and criminal background standards. A current credit report will be used to assess your financial responsibility and credit fitness, however, a credit score is not included as part of the evaluation. Successful candidates must also meet ongoing regulatory requirements including additional screening, if necessary.
Ability to provide and work from a home office
This position requires compliance with all mortgage regulatory requirements and **MEMBERS ONLY**SIGN UP NOW***.'s compliance policies related to these requirements including acceptable background check investigation results. Successful candidates must also meet ongoing regulatory requirements including additional screening and required reporting of certain incidents.

Salary Information

The salary range displayed below is based on a Full-time 40 hour a week schedule.

CA-Sacramento: Min: $62,500 Mid: $88,000 Max: $113,500

FL-Jacksonville: Min: $56,800 Mid: $80,000 Max: $103,200

FL-Orlando: Min: $56,800 Mid: $80,000 Max: $103,200

FL-Tampa: Min: $56,800 Mid: $80,000 Max: $103,200

GA-Atlanta: Min: $56,800 Mid: $80,000 Max: $103,200

TX-Dallas: Min: $56,800 Mid: $80,000 Max: $103,200

TX-Austin: Min: $56,800 Mid: $80,000 Max: $103,200

TX-Houston: Min: $56,800 Mid: $80,000 Max: $103,200

TN-Nashville: Min: $56,800 Mid: $80,000 Max: $103,200

NY-Buffalo: Min: $56,800 Mid: $80,000 Max: $103,200

IN-Indianapolis: Min: $56,800 Mid: $80,000 Max: $103,200

AL-Birmingham: Min: $56,800 Mid: $80,000 Max: $103,200

NE-Omaha: Min: $56,800 Mid: $80,000 Max: $103,200

MO-Kansas City: Min: $56,800 Mid: $80,000 Max: $103,200

KS-Overland Park: Min: $56,800 Mid: $80,000 Max: $103,200

SC-Columbia: Min: $51,100 Mid: $72,000 Max: $92,900

OH-Columbus: Min: $56,800 Mid: $80,000 Max: $103,200

MS-Gulfport: Min: $51,100 Mid: $72,000 Max: $92,900

UT-Salt Lake City: Min: $56,800 Mid: $80,000 Max: $103,200

NV-Las Vegas: Min: $56,800 Mid: $80,000 Max: $103,200

AZ-Tucson: Min: $56,800 Mid: $80,000 Max: $103,200

CA-Fresno: Min: $56,800 Mid: $80,000 Max: $103,200

WA-Spokane: Min: $56,800 Mid: $80,000 Max: $103,200

ID-Boise: Min: $56,800 Mid: $80,000 Max: $103,200

NV-Reno: Min: $56,800 Mid: $80,000 Max: $103,200

MI-Birmingham: Min: $62,500 Mid: $88,000 Max: $113,500

Street Address

CA-Sacramento: 400 Capitol Mall - Sacramento, CA

FL-Jacksonville: 3563 Philips Hwy - Jacksonville, FL

FL-Orlando: 11050 Lake Underhill Rd - Orlando, FL


GA-Atlanta: 3579 Atlanta Ave - Atlanta, GA

TX-Dallas: 8115 Preston Rd - Dallas, TX

TX-Austin: 9442 N Capital Of Texas Hwy - Austin, TX

TX-Houston: 2700 Post Oak Blvd - Houston, TX

TN-Nashville: 150 3rd Ave S - Nashville, TN

NY-Buffalo: 6700 Main St - Buffalo, NY

IN-Indianapolis: 8888 Keystone Xing - Indianapolis, IN

AL-Birmingham: 2501 20th Pl S - Birmingham, AL

NE-Omaha: 13330 California St - Omaha, NE

MO-Kansas City: 9572 N McGee St - Kansas City, MO

KS-Overland Park: 7500 College Blvd - Overland Park, KS

SC-Columbia: 101 Greystone Blvd - Columbia, SC

OH-Columbus: 445 Hutchinson Ave - Columbus, OH

MS-Gulfport: 375 Courthouse Rd - Gulfport, MS

UT-Salt Lake City: 5201 Amelia Earhart Dr - Salt Lake City, UT

NV-Las Vegas: 4425 Spring Mtn Rd - Las Vegas, NV

AZ-Tucson: 4051 E Sunrise Dr - Tucson, AZ

CA-Fresno: 8405 N Fresno - Fresno, CA

WA-Spokane: 41 W Riverside Ave - Spokane, WA

ID-Boise: 3033 Elder St - Boise, ID

NV-Reno: 6005 Plumas St - Reno, NV

MI-Birmingham: 34100 Woodward Ave - Birmingham, MI


All offers for employment with **MEMBERS ONLY**SIGN UP NOW***. are contingent upon the candidate having successfully completed a criminal background check. **MEMBERS ONLY**SIGN UP NOW***. will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.

Relevant military experience is considered for veterans and transitioning service men and women.

**MEMBERS ONLY**SIGN UP NOW***. is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.

Benefits Summary


Visit **** for benefits information.


Req Number: 5569013-8

Updated: 2021-04-02 00:06:06.517 UTC

Location: Kansas City,MO

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