Partners Personnel
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Base pay range
$30.00/hr - $35.00/hr Direct message the job poster from Partners Personnel Work Location: In person at office in Wayne, PA – This is not a hybrid or remote role. Summary: An underwriter evaluates and assesses risks associated with insurance policies, loans, investments, or other financial products to determine their eligibility for coverage or financing. They analyze data, financial statements, and other relevant information to make informed decisions that align with company policies and regulatory requirements. Duties/Responsibilities: Receives & processes loan applications for both consumer and mortgage manufactured home loans Utilize internal and external loan operating system to ensure accurate data entry Underwrite loans in accordance with investor and client guidelines, utilizing AUS or manual guidelines for several programs including FHA, FNMA, VA and UDSA Rural Development Maintain a solid understanding of all relevant state and federal laws and regulations Maintain current knowledge of client and investor requirements Perform complete and in-depth review of loan files including income, assets, credit and collateral Calculate debt to income ratio calculations by reviewing paystubs, W2’s and/or tax returns as necessary Ability to identify and/or clear red flag or alerts Issue loan decision and condition file accordingly Review and approve conditions for compliance and completion of loan file Coordinates and prepares mortgage loan documents and adverse action notices, delivering within required specified timelines Resolve pre- and post-closing issues as they relate to underwriting Provide counseling to applicants regarding their loan decision in a timely manner within company standards and guidelines. Assist Processors/External Sales Staff/Manufactured Housing Dealers and Realtors in understanding underwriting decisions and conditions Provide outstanding customer service to internal and external clients Comply with updates and changes to loan programs and procedures Maintain all records in accordance with company procedures and file all related documentation in appropriate information and filing systems. Required Skills/Abilities: Ability to work independently and problem solve Professional attitude and behavior Effective verbal and written communication skills Excellent interpersonal and customer service skills Strong organizational skills and attention to detail Excellent time management skills with an ability to prioritize tasks to meet deadlines Ability to function in a high-paced environment and work as part of a dynamic and productive team Good analytical skills Proficient with Word, Excel, & Outlook Experience: Have a minimum of 2 – 4 years lending experience Strong knowledge of income calculations, tax returns, reading credit reports, identifying red flag, Basic knowledge of appraisal and ability to recognize red flags and ineligible properties Ability to review legal documentation, title reports, insurance policies, flood certificates Experience in Microsoft Word and Excel, as well as the ability to develop a working knowledge of other programs and systems Ability to identify problems and develop procedures to resolve or correct situations Physical Requirements: Prolonged periods of sitting at a desk and working on a computer. Must be able to lift up to 15 pounds at times Schedule: Monday to Friday Health Insurance Life Insurance Paid time off Vision Insurance 401K Senioriy level
Associate Employment type
Full-time Job function
Finance
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$30.00/hr - $35.00/hr Direct message the job poster from Partners Personnel Work Location: In person at office in Wayne, PA – This is not a hybrid or remote role. Summary: An underwriter evaluates and assesses risks associated with insurance policies, loans, investments, or other financial products to determine their eligibility for coverage or financing. They analyze data, financial statements, and other relevant information to make informed decisions that align with company policies and regulatory requirements. Duties/Responsibilities: Receives & processes loan applications for both consumer and mortgage manufactured home loans Utilize internal and external loan operating system to ensure accurate data entry Underwrite loans in accordance with investor and client guidelines, utilizing AUS or manual guidelines for several programs including FHA, FNMA, VA and UDSA Rural Development Maintain a solid understanding of all relevant state and federal laws and regulations Maintain current knowledge of client and investor requirements Perform complete and in-depth review of loan files including income, assets, credit and collateral Calculate debt to income ratio calculations by reviewing paystubs, W2’s and/or tax returns as necessary Ability to identify and/or clear red flag or alerts Issue loan decision and condition file accordingly Review and approve conditions for compliance and completion of loan file Coordinates and prepares mortgage loan documents and adverse action notices, delivering within required specified timelines Resolve pre- and post-closing issues as they relate to underwriting Provide counseling to applicants regarding their loan decision in a timely manner within company standards and guidelines. Assist Processors/External Sales Staff/Manufactured Housing Dealers and Realtors in understanding underwriting decisions and conditions Provide outstanding customer service to internal and external clients Comply with updates and changes to loan programs and procedures Maintain all records in accordance with company procedures and file all related documentation in appropriate information and filing systems. Required Skills/Abilities: Ability to work independently and problem solve Professional attitude and behavior Effective verbal and written communication skills Excellent interpersonal and customer service skills Strong organizational skills and attention to detail Excellent time management skills with an ability to prioritize tasks to meet deadlines Ability to function in a high-paced environment and work as part of a dynamic and productive team Good analytical skills Proficient with Word, Excel, & Outlook Experience: Have a minimum of 2 – 4 years lending experience Strong knowledge of income calculations, tax returns, reading credit reports, identifying red flag, Basic knowledge of appraisal and ability to recognize red flags and ineligible properties Ability to review legal documentation, title reports, insurance policies, flood certificates Experience in Microsoft Word and Excel, as well as the ability to develop a working knowledge of other programs and systems Ability to identify problems and develop procedures to resolve or correct situations Physical Requirements: Prolonged periods of sitting at a desk and working on a computer. Must be able to lift up to 15 pounds at times Schedule: Monday to Friday Health Insurance Life Insurance Paid time off Vision Insurance 401K Senioriy level
Associate Employment type
Full-time Job function
Finance
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