Underwriter, Senior

American Heritage Lending, LLC located in Irvine CA is looking for a Senior Underwriter. Established in 2008, the company was founded to be a company set apart from an already impacted market. Licensed in multiple states across the US, the premise of our company evolved into the pinnacle for our success - creating a caring experience for the families we service across the nation. Position Overview:

The Underwriter evaluates and determines a credit decision and the eligibility of loan applications. Exercising sound independent judgment based on detailed analysis, the Underwriter is responsible for analyzing and verifying loan applications, evaluating risk, and making loan eligibility decisions ensuring that all documentation follows the relevant regulations.

Essential Duties & Responsibilities include:

• Manually reviews loan application, loan documents and third-party documents (i.e.,appraisal,title, flood, fraud) to determine a credit decision on Non-QM Programs.
• Reviews Borrowers’ conditions and third-party documents for loan programs that have an automated underwriting decision.
• Reviews DU verification messages/approval conditions. Verifying the accuracy and integrity of all loan data entered into the system.
• Calculates income, reviews assets and liabilities.
• Documents all loan exceptions and compensating factors.
• Maintains knowledge of all policies and modifications to the guidelines and standards of the Company, federal housing programs, investors, and private mortgage insurers.
• Updates loan application information within loan origination software and other applications.
• Analyzes documentation collected to ensure it meets guidelines or if other documentation is needed; ensures loan application follows underwriting, investor, RESPA, and HMDA guidelines.
• Identifies Changes in Loan to ensure appropriate disclosures are provided to the Borrower in a timely manner.
• Completes HMDA Data and Denial Letters for ineligible loans.
• Documents and effectively communicates reasons for approval/rejection of loans

Experience & Minimum Qualifications (Skills, Knowledge & Abilities):

• 5+ years’ experience as a Certified Underwriter (required)
• 5+ years’ experience mortgage loan processing proficiency (required)
• 2+ years’ experience in Non-QM Underwriting (required)
• Bachelor’s Degree in business, banking, finance or a related field
• A proven track record of processing a minimum of 3 to 5 new files per day and conditioning a minimum of 4 to 6 files per day.
• Experience must include hands-on responsibility for the full scope underwriting activities, both operations and analysis.

Essential Mental & Physical Requirements:Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.

• Frequently required to sit, stand, kneel, stoop, or squat
• Use hands or fingers to handle or feel objects, tools, or controls
• Reach with hands and arms
• Talk or hear
• Specific vision ability includes close vision, distance vision, color vision, depth perception and the ability to adjust focus
• Occasionally lift and/or move up to 25 pounds
• Ability to analyze situations logically to identify causes and draw solid conclusions
• Ability to anticipate the consequences of a situation
• Ability to modify one’s own behavior to meet expectations of others
• Ability to sustain one’s own emotions from interfering with responding effectively to internal and external customer’s needs
• Displays honesty and trustworthiness; has a sense of personal accountability; maintains a moral conviction to do the right thing

Physical Demands:The physical demands are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is occasionally required to stand; walk; sit; use hands to finger, handle, or feel objects, tools or controls; reach with hands and arms; climb stairs; balance; stoop, kneel, crouch or crawl; talk or hear; taste or smell. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by the job include close vision, distance vision, color vision, peripheral vision, depth perception, and the ability to adjust focus. Work Environment:This job operates in an office setting and largely sedentary, requiring the routine use of a computer and other standard office equipment. The ability to lift or move up to 20 pounds, bend, reach, and perform manual tasks may also be required. Remote work is an optional setting. Work environment characteristics are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is exposed to weather condition prevalent at the time. Business travel may provide for varying degrees of change in the work environment. The noise level in work environment is usually moderate. Job Classification:

• Exempt

Location:

• Remote

Benefits:

• Medical
• Dental
• Vision
• Matching 401(k)
• Paid Time Off
• Paid Holidays

Why American Heritage Lending:

• We are a high-growth Company that doubled our staff in 2022
• Competitive Salary
• Wide Product Options - Bridge, Fix and Flip, FHA, VA, Conventional, Non-QM, DCSR, Hard Money Loans and more
• We are not impacted by the volatility of the interest rate

This Company describes its culture as: Family-Accountability-Integrity-Teamwork-Have fun along the way Start your career today with American Heritage Lending! Note: Nothing in this job description restricts the company’s right to assign or reassign duties and responsibilities to this position at any time. Reasonable accommodations may be made in appropriate circumstances to enable individuals to perform the essential functions of the position. Apply To This Job