[Remote] Bilingual Junior Underwriter - PST
Note: The job is a remote job and is open to candidates in USA. Rate is one of the nation’s top retail mortgage lenders, delivering a seamless, tech-driven experience that helps customers reach their homeownership and financial goals. They are seeking a Bilingual Junior Underwriter to analyze loan files, ensure compliance with guidelines, and facilitate the loan processing from documentation to closing.
Responsibilities
- Complete a thorough analysis of loan files to determine compliance with company, investor and GSE guidelines
- Evaluates the entire credit package following the checklist for the specific loan types in which you are assigned
- Escalate loan files with recommendations on situations that exceed individual lending authority
- Examine and validate specific loan documentation for accuracy and completeness, checking accuracy of all calculations and loan data
- Communicate decision on loans to appropriate parties both verbally and in writing
- Strive to meet same day decisions on all submissions
- Complete all processing related matters from gathering documents to getting the loan into closing
Skills
- Bilingual in Spanish
- Excellent data entry skills and PC skills
- Knowledge of Encompass
- Strong verbal and written communication skills are necessary
- Excellent customer service skills with strong attention to detail
- Time Management skills and the ability to prioritize workload based on daily production
- Strong knowledge of State and Federal laws pertaining to the mortgage banking industry: QM, ATR, RESPA, ECOA, AIR, etc
Benefits
- Eligibility to participate in a company-sponsored 401(k)
- Vacation benefits
- Eligibility for medical, dental, vision, and prescription drug benefits
- Flexible benefits (e.g., healthcare and/or dependent day care flexible spending accounts)
- Life insurance and death benefits
- Critical care insurance
- Personal accidental insurance
- Commuter benefits
- Pet insurance
- Certain time off and leave of absence benefits
- Well-being benefits (e.g., employee assistance program)
- Other supplemental benefits (e.g. legal planning assistance; identity theft protection; pet insurance; wellness resources)
Company Overview
Company H1B Sponsorship