Job Description

Description
Job Summary:
We are seeking a detail-oriented and knowledgeable Underwriting Questions Agent to support our underwriting team and sales teams by managing a pipeline of complex mortgage-related inquiries. This role involves evaluating and responding to scenario questions, guideline clarifications, overlay interpretations, income calculations, and condo reviews. The ideal candidate will have strong analytical skills, the ability to research and interpret guidelines, and the expertise to assess risk in exception requests. This role requires excellent communication skills and collaboration with loan teams to ensure efficient and accurate underwriting decisions are being made.
This position has opportunity to be fully remote once training is complete. Canidates who live within driving distance of Columbia, MO, Chesterfield, MO, or Jefferson City, MO office locations will be considered.
Key Responsibilities
Manage and prioritize a pipeline of underwriting inquiries, including guideline and overlay questions, along with scenario reviews.
Research and interpret agency, investor, and company overlays to provide accurate guidance to loan teams.
Perform complex income calculations to determine borrower qualification.
Review condominium projects for eligibility and compliance with lending guidelines.
Assess and evaluate exception requests to determine if the risk on a loan is acceptable for waiving specific requirements.
Communicate underwriting decisions and guidance clearly to loan officers, processors, and underwriters.
Stay current on industry guidelines, regulatory changes, and investor requirements to provide up-to-date responses.
Collaborate with teams and leadership to ensure alignment on policy interpretations and risk assessment.
Requirements
Qualifications & Skills:
Experience: 3+ years in mortgage underwriting or a related role in mortgage lending.
Knowledge: Strong understanding of agency guidelines (Fannie Mae, Freddie Mac, FHA, VA, USDA), investor overlays, and risk assessment.
Skills
Strong research and analytical skills for guideline interpretation and risk evaluation.
Excellent verbal and written communication skills for clear and concise responses.
Ability to manage multiple priorities in a fast-paced environment.
Proficiency in income analysis, including self-employed borrower income calculations.
Strong decision-making skills with the ability to think critically and assess out-of-the-box scenarios.
Ability to collaborate effectively with underwriting teams, loan officers, and other team members.

Job Tags

Self employment,

Similar Jobs

Sodexo

Dietitian Nutritionist II Job at Sodexo

Returning Users Log Back In Role Overview Come work for the worlds leading private employer of Registered Dietitians! Sodexo is seeking a full-time Dietitian Nutritionist II to join their dynamic team at the UT Health Multispecialty & Research Hospital in...

Hyundai of Carmel

Automotive License & Title Clerk Job at Hyundai of Carmel

...Napleton Automotive Group is looking for our License and Title Clerk. This is an exciting opportunity in a growing, fast-paced industry. Located at Napleton Hyundai of Carmel the License and Title Clerk is an important role that assists our sales teams by processing vehicle...

Advantage Solutions

Power BI Developer Job at Advantage Solutions

Business Intelligence Developer At our Company, we grow People, Brands, and Businesses! We are... ...seeking a dynamic Business Intelligence (BI) Developer who will be part of a high-... ...clients.- Clean and transform data using Power BI's Query Editor to prepare ETL processes...

Ignite Uplift

Business Analyst (Remote Opportunity Strategic & Analytical Thinker) Job at Ignite Uplift

...The Role Looking for a Career Change? Are you a Business Analyst considering a new challenge or pivoting into a fresh industry... ...industry with ample support and training. Freedom to work remotely Be part of a fast-growing company with a mission to make an...

Vestis Services

Shuttle Driver CDL A Job at Vestis Services

...relationships between the Market Center and depots and is highly motivated to exceed their expectations and requirements. Successful Shuttle Drivers must be able to balance work in a safe and expedient manner with accurately transporting merchandise into and/or out of the...

Mortgage Underwriter Job at Flat Branch Home Loans, Columbia, MO

UXRxVTBRYTJwdVFwaEhoeXBtd2QwSjYyQ0E9PQ==