Post-Closing Underwriter – Job Posting
Post-Closing/QC Underwriter will be responsible for evaluating post-closing findings from various business partners, such as QC vendor, government agencies, MI companies and investors. Will also be responsible for creating and maintaining Excel spreadsheets to track post-closing findings with root cause identification, as well as financial impact of findings.
Key areas of responsibility:
Perform in-depth review and analysis of all loans with post-closing error findings.$ads={1}
- Perform underwriting risk analysis and make decisions regarding deficiencies identified during the review process and recommend resolution to deficiency
- Record data and review conclusions in Excel spreadsheet.
- Professionally communicate the results of file reviews in written format
- Meet timeframe deadlines and monthly deliverables.
- Responsible for maintaining a working knowledge of current underwriting, processing and regulatory changes, and agency guidelines as they relate to post closing and quality control review function.
- Perform review of credit, income documentation, calculations, and assets used to qualify for accuracy and compliance in order to validate underwriter’s loan approval.
- Increase process efficiency by identifying potential risk and mitigating factors that may impact the Company through credit decisions and the customer's ability to repay the loan.
- Perform other duties as assigned in order to support the post-closing/QC business unit
Qualifications:
- Candidates must be seasoned underwriters with experience analyzing closed loans and writing effective rebuttals for submission to FHA/VA, qualify control vendors, MI companies, etc.
- Minimum of 5 years of front-line FHA/VA/CONV underwriting experience (AUS and manual).
- At least 2 years of experience resolving post-closing issues and writing rebuttals.
- Ability to think critically, and creatively, in order to determine ways to cure any loan deficiencies.
- Self-starter ability to work and make progress with very little supervision
- Fast learner-ability to learn new computer programs or systems quickly
- Proficient in Encompass and Microsoft Outlook, Office, Word and Excel, including the ability to write formulas, create graphs, charts, pivot tables, etc.
- Must have excellent attention to detail and be able to pinpoint defects effectively.
- Ability to multi-task and meet or exceed deadlines.
- Effective written and verbal communication/presentation skills
- Strong organizational skills, teamwork, and results orientated.
Must be able to pass a criminal history information background check. Other duties may be applicable as business needs may dictate and as assigned by management. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Benefits
Churchill Mortgage’s generous benefits package is available to all full-time employees. This includes Medical, Dental, Vision, HSA, FSA, Life, Disability, Accident, Cancer, Critical Illness, Paid Time Off, 401(k) & ESOP (Employee Stock Ownership Program).
Employees Own the Company
Our ESOP was established by founder and president, Mike Hardwick, in 2013. It gives all current and future Churchill Mortgage employees ownership of the company in the form of company stock. Churchill Mortgage is the first privately-owned mortgage company to offer an Employee Stok Ownership Program (ESOP).
Churchill Mortgage Corporation is an Equal Opportunity Employer
