Company Mission
Orion Lending is a Nationwide Mortgage Banker, founded by proven industry leaders, who bring a legacy of success and ambition to the Mortgage Banking industry. At the core of our business philosophy is a commitment to extraordinary service, honesty, and clear communication. Our team is comprised of highly seasoned professionals who share Orion Lending's objective to revolutionize our partners' expectations. At Orion Lending, we combine innovative technology, a wide array of products and competitive pricing, to assist our network of originators grow and develop their referral business and clientele.
Position Summary
Responsibilities for the Non-Agency Underwriter will include performing a variety of mortgage loan documentation duties on conforming loan packages and complex loans, using comprehensive knowledge of policies and procedures for loan products. Underwrites mortgage loan applications and evaluates loans to maximize organizational profit and minimize risk or loss. Relies on extensive experience and judgment to plan and accomplish goals.
Specific Duties and Responsibilities
• Review and analyze loan applicants' credit histories, financial statements, and other financial information to make quality decisions on loans
• Work with team members to identify potential solutions/exceptions for denied loan files
• Interpret and analyze complex tax returns and financial documents
• Demonstrate ability to comprehend program changes and new program guideline
• Implement new changes in daily production immediately with minimal error rate
• Provide superior customer service to both internal and external customers
• Maintain knowledge of available loan products
• Stay up to date on program and investor guidelines
• Adhere to confidentiality standards as outlined by security policies
• Mentor Underwriting team members when required
• Utilize DU and LP underwriting systems
• Use a computer to enter, access, and retrieve financial data
• Develop constructive and cooperative working relationships with others and maintain the mover time.
• Actively participate in discussions to help the department run more efficiently
• Must be able to work overtime as required
• Other duties as assigned
Preferred Qualifications and Experience
• A minimum of two years of mortgage loan underwriting experience
• Extensive knowledge and experience with DU and LP underwriting systems
• Ability to underwrite in a production environment involving minimum quotas
• Thorough understanding and familiarity with FNMA and FHLMC guidelines and a complete knowledge of loan products NON-AGENCY UNDERWRITER POSITION OVERVIEW
• Ability to maintain quality control standards while maintaining production expectations defined by the company
• Ability to exhibit professional verbal and written communication skills via email, mobile devices, and in person utilizing proper spelling, composition, and grammar
• Ability to multi-task, prioritize responsibilities, and work well under pressure with minimal supervision
Physical and Work Conditions
Standard office environment, equipment, and tasks, including work at a computer terminal. This position requires partial sitting and walking throughout the day. Employees must be open to working overtime to complete assigned tasks.
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