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Consumer Loan Underwriter SAFE 4

Location
San Antonio, TX

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San Antonio
Texas
At **MEMBERS ONLY**SIGN UP NOW***., we want to satisfy our customers' financial needs and help them succeed financially. We're looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you'll feel valued and inspired to contribute your unique skills and experience. Help us build a better **MEMBERS ONLY**SIGN UP NOW***.. It all begins with outstanding talent. It all begins with you.
Consumer Lending is an industry leader in supporting homeowners and consumers. Our group includes Home Lending, Personal Lending, and **MEMBERS ONLY**SIGN UP NOW***. Auto, and the professional services teams that partner with these businesses. Our foundation for success can be summarized in three beliefs: Our product is service. Our value added is financial advice and guidance. Our competitive advantage is our people. We've built our team of top professionals by rewarding their accomplishments and ensuring they have what's needed to succeed.
Join the #1 Mortgage originator and servicer (/Source: Inside Mortgage Finance/)
Our Mortgage team
supports the nation's leading originator and servicer of residential mortgages.
Responsible for reviewing, analyzing, approving and underwriting difficult, complex individual consumer requests and products within company and industry guidelines
Dependent on division, functions include reviewing financial statements, credit reports, and applicable ratios(i.e. Debt ratios, loan-to-value)
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, serving as a consultant/technical resource on difficult problems and questions
Handling escalated calls: providing work direction, feedback and training to underwriting staff including mentoring lower level underwriters on credit decisioning, department procedures and policies
Delivering/facilitating of technical training to ensure organizational consistency
Has exception authority
May act as a team lead and provide performance feedback to less senior underwriters
May act as backup in absence of Supervisor
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.
Required Qualifications:
5 years of underwriting experience
Desired Qualifications:
Basic Microsoft Office skills
Strong analytical skills with high attention to detail and accuracy
Excellent verbal, written, and interpersonal communication skills
Ability to interact with all levels of an organization
Knowledge and understanding of underwriting: complex conventional transactions
Experience with underwriting policies and procedures such as risk-layering and asset evaluation
Experience analyzing business or personal financial statements and tax returns
Mortgage underwriting exposure; preferably within **MEMBERS ONLY**SIGN UP NOW***.
Experience meeting high production and quality standards in a fast paced, development and production support environment
Ability to work effectively, as well as independently, in a team environment
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.
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.
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.
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.
How to Express Interest in This Job: **MEMBERS ONLY**SIGN UP NOW***. invites you to apply for this job at ****NW/HRMS/c/HRS
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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.
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.

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