Underwriter Job at Kings Mortgage Services, Santa Ana, CA

RUJ2cWFvNDVXUkZtQ0hYUHhmN3FkcE5jU0E9PQ==
  • Kings Mortgage Services
  • Santa Ana, CA

Job Description

Department: Operations

Location: Remote Home Office - KMS

The Wholesale Underwriter is responsible for reviewing and evaluating residential mortgage loan applications submitted through third-party brokers to ensure compliance with company guidelines, investor requirements, and applicable regulations. This role analyzes borrower creditworthiness, income, assets, collateral, and overall loan risk to make sound underwriting decisions while maintaining service level expectations.

Key Responsibilities

  • Review and analyze loan applications, credit reports, and financial documents to determine borrower eligibility.
  • Assess risk factors associated with mortgage loans, including income verification, debt-to-income ratios, and creditworthiness.
  • Ensure compliance with federal and state regulations as well as company policies throughout the underwriting process.
  • Collaborate with brokers, Account Managers, Account Executives, and other stakeholders to resolve any issues or discrepancies in documentation.
  • Prepare detailed financial reports summarizing findings and recommendations for loan approvals or denials.
  • Experience with Encompass is required
  • Conduct quantitative analysis to evaluate borrower profiles and market conditions impacting loan decisions.
  • Stay updated on industry trends, changes in regulations, and best practices in mortgage underwriting.

Preferred Skills, Knowledge and Expertise

  • Active Underwriter designation certificate (DE) required
  • Experience using Encompass required
  • Proven experience in mortgage underwriting or a related field within financial services.
  • Strong knowledge of HUD underwriting guidelines.
  • Excellent analytical skills with attention to detail to ensure accuracy in assessments.
  • Strong communication skills for effective collaboration with team members and clients.
  • Ability to work independently while managing multiple tasks in a fast-paced environment.

Benefits

Kings Mortgage Services, Inc. offers a full suite of benefits including:

  • Medical Insurance
  • Dental insurance
  • Vision insurance
  • Life insurance
  • Paid time off
  • 401(k) with company match

Job Tags

Full time, Home office

Similar Jobs

Rentokil Initial

Pest Control Technician Job at Rentokil Initial

 ...DESCRIPTION Our Pest Control Technician is a professional who uses a variety of techniques to eliminate pests from residential, commercial and industrial facilities. They identify pest problems and choose an effective approach to remove pests from the property. RESPONSIBILITIES... 

CANADIAN AMERICAN CORP

FedEx Delivery Driver Job at CANADIAN AMERICAN CORP

 ...We are seeking a reliable Delivery Driver to join our team. The ideal candidate will be responsible for transporting goods in a safe, timely manner to various locations. Duties: - Safely transport products to customer locations in a timely manner- Load and unload cargo... 

ActioNet, Inc.

Digital Forensics SME|Req#4585 Job at ActioNet, Inc.

DescriptionDigital Forensics Subject Matter ExpertLocation: Rockville, MDPosition Overview:The Digital Forensics SME provides advanced digital forensics and incident response (DFIR) expertise, supporting investigation, analysis, and remediation of complex cybersecurity... 

ARC Document Solutions, LLC

Print Production Operator-Manager Job at ARC Document Solutions, LLC

 ...ARC islooking for a Full-timePrint Production Operator - Small Format, Black & White and...  ...Document Solutions is seeking an experienced Print Production Staff member for our Large...  ...completion of job assignments. Inform the Manager of any requests that cant be met.... 

Blaze Media

Associate Producer Job at Blaze Media

 ..., and corresponding social pages and audience to assess the best timing and topics to post. Aid in getting clips from the daily podcast. Collaborate on the show's social channels and provide clip packaging for YouTube. Aid supervising producer in guest chasing....