Senior Mortgage Underwriter

The Underwriter is responsible for evaluating a loan application for creditworthiness and determining if the loan is an acceptable risk for Ross Mortgage. The duty of the Sr. Underwriter is to review all documentation (Capacity, Credit, Cash, Collateral) to ensure that it meets investor guidelines for resale in the secondary market. The Underwriter will underwrite and clear all conditions for Conventional, FHA, VA, State Bond, Renovation, and USDA loans. A thorough knowledge of products, standards, and compliance is required. Responsibilities: Examine loan documentation to ensure accuracy, completeness, and compliance with Conventional, FHA, VA, and USDA standards. Review assets, collateral, credit, income, etc.; ensure loans meet agency, company and investor standards for sale into the secondary market. Remain up to date on changes in agency guidelines and requirements. Distribute Approval Noti?cations and Update Loan Approval Status to the branches. Ensure compliance with applicable federal, state, and local laws and regulations. Maintain Purchase and Re?nance turn times for initial and subsequent ?le reviews. Communicate with the Underwriting Manager to advise of any underwriting issues with a solution-based approach. Work with post-closing to resolve any funding delays. Communicate with Sales, Loan Partner, Processor, and Closers. Qualifications: Ability to work independently, must have strong time management and organizational skills to work independently. Excellent customer service skills. Always exhibit professional written and verbal communication Strong attention to detail, problem-solving, and resolution skills. Able to maintain high productivity and quality. Ability to demonstrate a high degree of business professional behaviors, including punctuality, attendance, responsiveness, and dependability. Position has the potential to work from the corporate office or from home. 5-10 years of mortgage underwriting in a retail or wholesale environment. Detailed knowledge of FNMA/FHLMC, FHA, VA, USDA, Renovation, and State Bond products. FHA Direct Endorsement certi?cation required. VA Automatic Underwriting authority and SAR designation required. Associate or bachelors degree or MBA certi?cation preferred About Company: Ross Mortgage Corporation is a successful mortgage banking company with a reputation for professionalism, integrity, and quality service. Headquarters is in Troy, Michigan. Ross is one of the top independent lenders in the Midwest and serves its valued customers through a network of offices. Founded in 1949, Ross Mortgage Corporation combines 75+ years of mortgage lending experience with state-of-the-art mortgage lending technology. As a full-service mortgage lender, Ross Mortgage Corporation delivers superior service and pricing to our customers. As a lender, we possess underwriting authority and retain control over the entire transaction. Ross Mortgage Corporation is an equal opportunity employer.