Mortgage Underwriter jobs in Miami, FL

A
Senior Mortgage Underwriter
  • American Bancshares Mortgage
  • Miami, FL FULL_TIME
  • Position Overview

      Now Hiring!: Senior Mortgage UnderwriterCorporate Headquarters Location: Miami Lakes, FL Compensation: Based on Qualifications Benefits & Perks: 
    • 401k
    • Health, Dental, and Vision Insurance
    • Company-provided short-term disability insurance
    • Employee Assistance Program
    • Wellness Program
    American Bancshares Mortgage is seeking a diligent and motivated Senior Mortgage Underwriter to join the team. The ideal candidate will possess excellent phone and communication skills and a value of providing superior customer service to internal and external customers. The Underwriter is responsible for validating income, asset and collateral documents including self-employed tax returns and Condominium documents. The Underwriter may be involved in one or several types of mortgage lending (conventional, government-backed, etc.); lending authority to include conventional, government, seconds, DPAs and jumbo loan programs. Job Duties:
    • Evaluates loan applications for risks and various criteria such as agency and investor requirements, accuracy, consistency, and completion
    • Review new loan files to ensure loan meets agency / investor and program criteria. Minimum standard of 40 loans per month and a turn time of 24 hours required
    • Review transmittal & 1003 to make sure it is accurate and complete, compare to findings to verify that all information matches
    • Review credit report and compare to liabilities on 1003. Verify the investor guidelines for outstanding derogatory items and requirement payment or satisfaction if needed. Request updated mortgage history if needed
    • Calculate income using documentation required per agency / investor, questioning any significant changes in income and employment history
    • Review assets statements to compare to required assets. Require documentation and source for any recent large deposits or inconsistent activity
    • Review title to verify our borrower has ownership on a refinance transaction and that the seller has ownership for purchase transaction. Check that chain of title meets agency / investor requirements.
    • Verify there are no unpaid liens or judgments and that all mortgage liens being paid off through the transaction. Compare real estate tax figures to 1003. Review that there are no exceptions to title that may prevent first lien position or title transfers
    • Review appraisal to ensure the value is supported and that the appraiser has provided a complete accurate appraisal. Order value review on loans considered high risk. Request second level review on high-risk appraisals and SSR scores higher than 2.9
    • Review Fraud Audit report to ensure all alerts have been adequately addressed and clear and to obtain clear searches and compliance on all regulatory, state, and federal (Patriot Act) lists (OFAC, LPD, GSA, Social Security, others)
    • Calculate net tangible benefit for those states that require this test
    • Verify that the rate lock matches the underwriting file with the correct program, LTV, credit score and pre-payment penalty
    • Review final conditions turned in for Underwriting Final Approval within 24 hours
    • Review a minimum number of files per day of 4 - 7, to include new submissions, conditions revie, appraisal review, denial review and final approval (clear for audit review)
    • Maintain current and fluid knowledge of investor and agency guidelines
    • Approves loan with proper documentation or recommends further action
    • Communicates effectively and engages proactively with loan originators, processors, branch managers, funders and post-closers in regard to loan decisions, assignment of loan conditions, investor guidelines/documentation requirements and possible loan scenarios
    • Applies knowledge of underwriting and pre-underwriting to best serve loan applicant and investor needs
    • Performs other related duties as assigned
    Minimum Qualifications:
    • Bachelor's degree or equivalent combination of education and experience
    • 5 years of retail residential recent Mortgage Underwriting Experience (FHA, VA, USDA and Conventional) with strong agency guideline knowledge
    • DE, SAR (LAPP) certifications are required; experience with USDA is a plus
    • Strong working knowledge of ATR/QM Requirements
    • Encompass LOS experience
    • Ability to work in a fast paced, fluid environment and be held to minimum production standards
    • Strong computer skills; proficient in Microsoft Word, Excel and Outlook
    • Knowledge of compliance and disclosure requirements
    • Knowledge of closing, post-closing & quality control responsibilities
    • Must be located in EST (preferred) or CST time zones
    Who We Are: https://myabsm.com/ For more than 25 years, we have assisted our communities, empowered our partners, and expanded our company footprint across the nation. We are a full-service mortgage lender, created by industry experts who understand the ever-changing mortgage financing industry. Unlike a bank, we only focus on mortgage products. With years of combined experience our loan specialists are wise, patient, and eager to assist our clients. It is our unique company culture, expertly trained staff and years of industry experience that sets us apart from the rest. Having an intricate knowledge of our industry we take pride in the ability to offer our clients professional and ethical advice they seek, and most importantly the dedication to helping them find the best financing options. Servicing our community is driven by our core values of commitment, integrity, and transparency. Our in-depth knowledge is what enables us to efficiently adapt to industry change, while consistently providing our clients with a best-in-class customer service and a tailored mortgage experience. American Bancshares Mortgage is an Equal Opportunity Employer. American Bancshares Mortgage does not discriminate based on race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status, or any other basis covered by appropriate law. All employment is decided based on qualifications, merit, and business need.  American Bancshares Mortgage participates in the federal government’s E-Verify program, which confirms employment authorization of all newly hired employees and most existing employees through an electronic database maintained by the Social Security Administration and Department of Homeland Security. For all new hires, the E-Verify process is completed in conjunction with the Form I-9 Employment Eligibility Verification on or before the first day of work. E-Verify is not used as a tool to pre-screen candidates. For up-to-date information on E-Verify, go to  www.uscis.gov  and click on 'E-Verify' located near the bottom of the page.
  • 21 Days Ago

C
Mortgage Underwriter QC Analyst
  • City National Bank of Florida
  • Miami, FL OTHER
  • Overview Primary responsibilities include in-depth pre-fund quality assurance audits. The position requires experience in the detection and prevention of loan fraud with underwriting and guideline kno...
  • 17 Days Ago

C
Mortgage Underwriter QC Analyst
  • City National Bank of Florida
  • Miami, FL FULL_TIME
  • Overview: Primary responsibilities include in-depth pre-fund quality assurance audits. The position requires experience in the detection and prevention of loan fraud with underwriting and guideline kn...
  • 1 Month Ago

F
Underwriter
  • FUNDKITE DIRECT LLC
  • Miami, FL FULL_TIME
  • Who we are: FundKite is a game changing institution dedicated to helping businesses reach their maximum potential. We provide a revenue-based type financing product; our main office is in Miami Florid...
  • 3 Days Ago

A
Branch Mortgage Processor
  • A&D MORTGAGE
  • Miami, FL OTHER
  • Job Details Job Location: 1034 Irina Slyusarchuk Branch - Miami, FL Position Type: Full Time Salary Range: Undisclosed DescriptionA&D Mortgage is a Florida-based Nationwide Mortgage Lender providing s...
  • 5 Days Ago

U
Mortgage Loan Originator
  • USA Mortgage
  • MIami, FL FULL_TIME
  • DescriptionWho We AreAt DAS Acquisition Company, LLC. (USA Mortgage), our mission is the unrelenting pursuit of perfection. We pride ourselves on the superior level of service that our status as a mor...
  • 7 Days Ago

Filters

Clear All

  • Filter Jobs by companies
  • More

0 Mortgage Underwriter jobs found in Miami, FL area

F
Business Banking Relationship Manager
  • FinTrust Connect
  • Miami Beach, FL
  • For more Job Opportunities follow FINTRUST CONNECT here: FinTrust Connect: Jobs | LinkedIn Business Banking Relationship...
  • 3/28/2024 12:00:00 AM

C
Real Estate Underwriter
  • Capital Max
  • Fort Lauderdale, FL
  • Company Description Capital Max is an investment, advisory, and fund placement firm specializing in alternative investme...
  • 3/28/2024 12:00:00 AM

O
Mortgage Loan Officer & Branch Managers - Remote
  • On The Money Talent Acquisition Partners
  • Fort Lauderdale, FL
  • On The Money Talent is honored to be retained by one of the fastest growing Mortgage Lenders in the country set to go pu...
  • 3/28/2024 12:00:00 AM

S
Mortgage Loan Officer
  • Society Mortgage
  • Fort Lauderdale, FL
  • Are you a driven and ambitious sales professional looking for your next opportunity? We are currently seeking a Loan Off...
  • 3/28/2024 12:00:00 AM

B
Mortgage Loan Officer
  • Barrett Financial Group
  • Miami, FL
  • Job Description Job Description Exciting Opportunity: Join a Leading Mortgage Brokerage and Boost Your Earnings! Are you...
  • 3/27/2024 12:00:00 AM

A
Mortgage Loan Officer
  • Amerant Bank
  • Miami, FL
  • The Mortgage Loan Officer is responsible for originating quality Residential Loan Mortgages to contribute to the overall...
  • 3/27/2024 12:00:00 AM

C
Real Estate Underwriter
  • Capital Max
  • Fort Lauderdale, FL
  • Company Description Capital Max is an investment, advisory, and fund placement firm specializing in alternative investme...
  • 3/25/2024 12:00:00 AM

P
Mortgage Loan Officer
  • PNC
  • Fort Lauderdale, FL
  • Position Overview At PNC, our people are our greatest differentiator and competitive advantage in the markets we serve. ...
  • 3/25/2024 12:00:00 AM

Miami, officially the City of Miami, is the cultural, economic and financial center of South Florida. Miami is the seat of Miami-Dade County, the most populous county in Florida. The city covers an area of about 56.6 square miles (147 km2), between the Everglades to the west and Biscayne Bay on the east; with a 2017 estimated population of 463,347, Miami is the sixth most densely populated major city in the United States. The Miami metropolitan area is home to 6.1 million people and the seventh-largest metropolitan area in the nation. Miami's metro area is the second-most populous metropolis i...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Mortgage Underwriter jobs
$62,703 to $84,407
Miami, Florida area prices
were up 2.9% from a year ago

Mortgage Underwriter in Chelsea, MA
Evaluates the mortgage loan applications and supporting documentation and determines the eligibility and risk to the credit union and ensures loan conforms to the specific loan product and pricing.
November 06, 2022
Determines additional documentation requirements on each file and ensure the timely receipt of such documents and or items.
February 06, 2023
Mortgage Underwriter in Depew, NY
Implement and apply the processes, infrastructure and resources needed to deliver agreed team plans and targets, identifying and implementing improvements and collaborating with colleagues to maximize integration, effectiveness and efficiency.
January 06, 2023
Meet all performance targets including standards in quality and productivity.
February 11, 2023
Mortgage Underwriter in Irving, TX
Compile, analyze, and document loan data and credit risk, borrower and property information.
January 04, 2023