Remote Underwriter position

Caliber Home Loans, Inc. is one of the nation's fastest-growing mortgage lenders. We didn't move into the fast lane because of clever marketing campaigns or flashy television ads -- our talented employees worked hard to help us rise to the top of our industry.

Here at Caliber, we've replaced the stereotypical corporate culture with a casual "dress for your day"work atmosphere that promotes creativity and a collaborative environment that allows our team members to thrive.

POSITION SUMMARY

The Remote Underwriter is responsible for reviewing all loan applications for compliance with underwriting, investor, government, and FNMA/FHLMC guidelines.

RESPONSIBILITIES

• Reviews/analyzes loan files submitted for borrowers to ensure file meets loan program requirements. Includes individual analysis of:

• Loan application


• Credit profile/report(s)


• Debt and assets


• Income/financial statements


• Loan values/loan-to-value ratios


• Appraisal reports


• Collateral and supporting documentation


• Identifies/calculates loan risk of loss.


• Conditions files for missing/supporting documentation.


• Revisits loans to review and clear conditions.


• Approves, counters or denies loan file.


• Escalates fraud files to Credit Manager/Risk Management team.


• Respond within SLA to all loan specific audits/findings.


• This position is considered a non-loan originator position, this means participants may not engage in activities of a loan originator, including: communicating directly with borrowers about credit qualification or loan terms, including pricing concessions or other transaction-specific terms or conditions.