A Better Opportunity 
Better is looking for a mortgage Underwriter to join our growing team! Using established underwriting guidelines, you will evaluate borrower financial and credit information in tandem with property valuations to inform lending decisions. As an Underwriter, it will be your responsibility to make intelligently aggressive risk decisions that are rooted in knowledge and experience. Our underwriters work closely with all members of the production team throughout the process to bring loans to closingYou will have the opportunity to wear many hats, ranging from a visionary redesigning the needlessly complex mortgage process; a data analyst uncovering how to make the most impact; to a problem solver working with highly skilled engineers and industry experts to resolve technical and operational challenges.ResponsibilitiesUnderwrite and decision agency conforming and home equity residential mortgage loansVerify and analyze all necessary financial information and documentation; ensure that loan files contain all necessary credit and legal documentsReview appraisal reports to identify and resolve any discrepancies discovered withinPerform thorough analysis of applicant's income and expense data, asset documentation, credit reports, and property valuations in order to affirm borrower qualifies for loanCalculate qualifying ratios, determine creditworthiness; provide risk opinionsPossible weekend shifts on an as needed basis Qualifications3+ years of experience underwriting FNMA and FHLMC mortgages Expert knowledge of Desktop Underwriter (DU) & Loan Prospector/Loan Product Advisor (LP/LPA)Categorical understanding of the mortgage lending processAbility to carry out requisite loan calculations (DTI, LTV, etc.)Capable of preparing findings reportsProven ability to thrive in a remote settingAbility to handle multiple files simultaneouslyStrong written and verbal communicationPerform well in team environmentsThe drive to build something newVA, FHA, Non-Conforming & Heloc experience a plus