Senior Government Underwriter – Remote (Must Reside in Hawaii)

**Candidate must live in Hawaii** Summary The Underwriter, Govt Sr underwrites residential loans ensuring compliance with appropriate company, secondary market investor standards and all applicable laws. The Underwriter will be responsible for examining loan documentation for accuracy and completeness; is involved in one or several types of mortgage lending including but not limited to conventional, FHA and VA loans. Must be able to underwrite loans within the company and industry guidelines. The Underwriter will also be working with Loan Originators, Branch Managers and Processors to secure all required documents. Essential Job Functions: Underwrites Conventional, FHA, VA and Special Program loans to verify for completeness, accuracy, and compliance Develops and maintains an up to date and sound knowledge of multiple loan product guidelines offered by the company, DU/LP guidelines, and risk assessment tools used to decision mortgage loans Reworks loans to new terms, identifies additional conditions as needed to insure a viable credit decision Reviews and evaluates borrower(s) profile including but not limited to all income documentation, tax returns, credit reports, preliminary report, judgments, bankruptcy documents and appraisals Analyzes and calculates income documentation such as personal and business income statements and ensures all necessary documentation is requested to support final loan decisions Exercises good judgment, conducts reasonableness tests and issues quality decisions Determines accuracy and completeness of files; ensures processes are consistent Demonstrates proficiency in automated underwriting systems (DU, LP) Maintains a sound knowledge of secondary market activity, practices, and business/industry practices as they impact underwriting quality and origination activity Maintains pre-established service level standard of decisions within a 48-hour time frame set by the company Communicates regularly with sales team, processors and management