Underwriter (Single Family Residential Mortgage)

Axos Business Center, Corp

About This Job

The Underwriter will analyze files for various loan programs, being flexible in changing workflow procedures as necessary and performing some general office responsibilities. Responsible for analyzing moderate to complex loans, using up-to-date comprehensive knowledge and experience. Understanding of current investor guidelines and compliance guidelines is a must

Responsibilities:

• Review all loan documentation submitted for initial underwriting decision, conditional approvals, and clear to close
• Evaluate credit history, income, assets and current liabilities for ability to repay
• Conduct careful risk analysis and exercise good judgment to determine if loans conform to applicable underwriting guidelines for sale on the secondary market
• Requires proficiency and in-depth knowledge of FNMA, FHLMC, HUD, and investor guidelines
• Review and respond to quality control and investor suspense items related to Credit for loan sales
• Other duties as assigned
  
  

Requirements:

• 3 years agency underwriting experience with conventional jumbo loans
• Guideline knowledge of Fannie, Freddie, FHA, VA
• Ability to communicate effectively, verbal and written
  
  

Preferred:

• DE
• LAPP designation
• Underwriting in paperless environment
• Formal training/certification in underwriting
  
  

About Axos

Born digital-first, Axos delivers financial tools and services that allow individuals, small businesses, and companies to access and manage their money how, when, and where they want. We’re a diverse team of dynamic, insightful, and independent innovators who are excited to provide technology-driven solutions that offer unbeatable value to our customers.

Axos Financial is our holding company and is publicly traded on the New York Stock Exchange under the symbol "AX" (NYSE: AX).

Learn More about working at Axos Business Center

Pre-Employment Background Check, Medical, and Drug Test:

All offers are contingent upon the candidate successfully passing a credit check, criminal background check, and pre-employment medical and drug screening.

Equal Employment Opportunity:

Axos is an Equal Opportunity employer. We are committed to providing equal employment opportunities to all employees and applicants without regard to race, religious creed, color, sex (including pregnancy, breast feeding and related medical conditions), gender, gender identity, gender expression, sexual orientation, national origin, ancestry, citizenship status, military and veteran status, marital status, age, protected medical condition, genetic information, physical disability, mental disability, or any other protected status in accordance with all applicable federal, state, and local laws.

Job Functions and Work Environment:

While performing the duties of this position, the employee is required to sit for extended periods of time. Manual dexterity and coordination are required while operating standard office equipment such as computer keyboard and mouse, calculator, telephone, copiers, etc.

The work environment characteristics described here are representative of those an employee may encounter while performing the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position.