Non-DelegatedUnderwriterIV

**Job Title:** Non-Delegated Underwriter IV **Location:** Remote Texas **What you 'll do:** As a Mortgage Underwriter IV you'll be responsible for underwriting Government and Conventional loans by reviewing the credit, capacity and collateral characteristics of loan files to ensure it meets company and investor quality standards. You'll be responsible for reviewing and clearing underwriting conditions on Conventional and Government loans in compliance with current guidelines and overlays. Mortgage Underwriter IV will have the capacity and skillset to be able to perform the underwriting role across organization channels (Delegated, Non-Delegated, Retail). * Manage individual pipeline on a daily basis by completing Underwriting Reviews, appraisal reviews and conditions reviews within defined turn times as applicable. * Identify any document deficiencies, add applicable conditions, and request additional information and/or documentation from customers as needed. Customers to provide updates and clarification on outstanding conditions and deficiencies identified on loans per established process. * Assist others in the department in interpreting underwriting guidelines and updating underwriting status and conditions to customers. Perform independent research of guidelines and overlays while reviewing loans. * Underwrite loans across all of the channels (Delegated, Non-Delegated, Retail). **What you 'll need: ** * 8+ years of related experience in Mortgage Industry, Residential Mortgage Loan underwriting or similar field. * High school diploma required. * Advanced knowledge of residential mortgage industry in Correspondent or Retail Lending; including sales, operations, and/or other residential mortgage products and services. * Advanced knowledge of applicable regulatory and legal compliance obligations, rules and regulations, industry standards and practices. * Advanced knowledge of FNMA, FHLMC, FHA, VA and USDA Guidelines. * Intermediate knowledge of MS Office products.