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Company: theLender
Location: Lake Forest
Posted on: May 3, 2021

Job Description:

Our Company
theLender was created to make a difference. We aim to change the stagnant landscape of mortgage one partnership, one loan, and one day at a time.

Our Mission
To foster a simplified, intuitive lending experience so that, together, we can deliver customer-centric solutions to help clients realize their dreams.

Position Summary

Responsible for evaluating risk, layered risk, program guideline accuracy, collateral review and making appropriate loan decisions based on established underwriting guidelines, credit philosophy, information and documentation provided in moderately complex loan files. Work under immediate supervision and report to Manager, Director or VP of department.

Essential Functions

  • Adhere to general work requirements
  • Review moderately complex applications for completeness and update data in LOS to ensure data integrity
  • Work with internal and external partners to clear conditions in a timely manner
  • Analyze and review documentation in file to verify accuracy of application and support underwriting decision
  • Calculate income based on tax returns and/or other income documents in file
  • Review and confirm assets in file
  • Review and analyze appraisals, preliminary title work and purchase contracts
  • Make moderately complex loan decisions based on the overall worthiness of the borrower, layering of risk and all program requirements and issue loan approvals, suspensions, counter offers or denials
  • Identify quality concerns and red flags and validate accuracy of associated risk to the borrower or property/collateral profile
  • Communicate decisions (written and verbal) to all parties (specifically brokers and sales partners as appropriate) and build relationships with both internal and external partners
  • Perform other duties as assigned

General Skill

  • Strong analytical skills
  • Good verbal and written communication skills
  • Ability to provide outstanding customer service in fast-paced environment
  • Proficient working knowledge of computerized applications such as word processing, spreadsheet,database, presentation software, email and specialized business applications software
  • Presentation skills necessary to effectively communicate, update, persuade and/or facilitate discussions with all levels of management
  • Interpersonal skills necessary to establish and maintain effective working relationships with coworkers,other business areas and government agencies as required
  • Planning and organizational skills necessary to coordinate workload around multiple assignments

Minimum Qualifications

  • Familiarity with DU/LP AUS and LOS systems and Data Trac
  • FHA DE designation
  • VA SAR designation
  • Familiarity with Encompass

Job Type: Full-time

Pay: $80,000.00 - $100,000.00 per year

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Keywords: theLender, Lake Forest , Writer, Other , Lake Forest, California

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