Job Description

The Opportunity:

The Government Underwriter is responsible for reviews and evaluates information on mortgage loan documents to determine if the borrower, property, and transaction meet JMAC guidelines. JMAC Lending has funded more than $20 billion in mortgage loans. The Conventional / Government underwriter is responsible for rendering a decision within company guidelines and communicating the decision to all applicable parties. Must be able to work independently, or as a team; have critical thinking skill, have excellent written, and verbal communication skills. Maintains exceptional customer service to remain consistent with company culture.

This role will deal with numbers, calculations and must possess a good auditing and analytical skills including a firm knowledge on math. A good skill in decisions making is also vital since the major of mortgage underwriters are deciding and evaluating whether to approve or deny the client's loan application.

Key Responsibilities:

• Review credit documents in accordance to JMAC, FHA, and VA guidelines.
• Review borrower’s income and assets in accordance to JMAC, FHA, and VA guidelines.
• Review subject property title and appraisal in accordance to JMAC, FHA, and VA guidelines.
• Must be able to make loan decisions independently (Approve or Decline).
• Sign off on conditions.
• Verify the consistency of information throughout the file
• Utilize FHA Connection, FHA EAD, VA VIP/WebLGY, and GUS to complete, correct, or verify the validity of required forms.
• Complete assigned files within established turn times.
• Maintain communication, and customer service with file contacts throughout the loan process.
• Other duties as assigned.
• Based on business needs overtime may be required.

Requirements

• Minimum 2 or more years of recent experience as a DE and SAR Underwriter.
• Minimum 2 or more years of recent experience in FHA and VA.
• Comprehensive understanding and knowledge of current FHA, and VA
• Basic knowledge of federal and state laws pertaining to the mortgage‐banking industry (i.e. TRID, ECOA, Fair Lending etc.)
• DU/LP/TOTAL Scorecard knowledge required.
• Strong communication skills and ability to effectively interact with brokers.
• 6 months or more experience with USDA/RD is preferred, but not required

Benefits

• Health Care Plan (Medical, Dental & Vision)
• Life Insurance (Basic, Voluntary & AD&D)
• Paid Time Off (Vacation & Holidays)
• Retirement Plan (401k)
• Short Term & Long Term Disability
• Family Leave
• Wellness Resources

About JMAC Lending:

JMAC Lending has been in business for more than 20 years. Servicing clients better with our innovative products, exceptional service, support and our dedication to helping our partners grow our business. The core of our culture and business approach is to go Beyond Current market options to be the go-to lender of choice for our clients. Our associates hold distinguished credentials and participate in continuing education, to ensure knowledge is carefully balanced with experience. Our company was built on our adherence to the highest ethical standards, while efficiently and carefully executing the delivery of product pricing for wholesale and correspondent lending for our clients.

JMAC Lending, Inc. is an Equal Employment Employer. We are committed to workforce diversity. Qualified applicants will receive consideration without regards to age, race, religion, sex, sexual orientation, gender identity or national origin.

DISCLAIMER: JMAC Lending is an evolving company. As such this job description is not necessarily an exhaustive list of all responsibilities, duties, skills, efforts, requirements or working conditions associated with the job. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed as assigned.

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