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Arizona Mortgage Processor

The Federal Savings Bank, a Federally Chartered Bank with a focus on residential home lending, is currently seeking experienced mortgage professionals to assist with the timely processing of residential mortgage loans for our Scottsdale, AZ office. The Underwriting Analyst’s primary goal is to have a first time approval with minimal conditions. It is the responsibility of the Underwriting Analyst to review, analyze, and submit loan documents to Underwriting based on agency, investor, and company guidelines with a focus on efficiency and quality.

  • 4 year college degree
  • 3 + years recent Residential Mortgage Experience
  • Recent Correspondent Lending experience
  • Knowledge of agency and investor loan programs and underwriting criteria for both conventional and government offerings
  • Experience managing Purchase-focused pipeline
  • Proficiency with Encompass LOS
  • Proficiency with Automated Underwriting Systems; DU/LP
  • Detail-Oriented
  • Positive Attitude
  • Excellent Interpersonal, Communication, and Time Management Skills
  • Creative, Solutions-Oriented Individual
  • Effective Problem Solver
  • Ability to work well in a team environment

  • Proficient working with automated underwriting systems (DU/LP) and major loan originations systems (Encompass)
  • Communicate with borrowers and third parties to obtain loan documentation
  • Analyze package for completeness to ensure loan file meets investor guidelines
  • Calculate income for qualifying, including self-employed income analysis
  • Analyze credit, income, asset and collateral documents to submit files to underwriting
  • Analyze Underwriting approval
  • Clear loan conditions and communicate effectively with Sales, Processing and Underwriting team
  • Review and Analyze title for all requirements and address issues, insurance coverage for mortgagee
  • Set and maintain proper expectations with all parties on the loan file
  • Effectively manage loan pipeline at various volume levels
  • Maintain strong knowledge of State/Federal regulations to maintain loan file compliance
  • Assist in the seamless transition of Mortgage Bankers and new employees to our model
  • Work effectively under specific time constraints
  • Work independently and as a team
  • Ability to operate in a fast paced environment
  • All applicants must be flexible with their schedules, as they may be required to work after-hours, especially during peak volume periods