Job description

Network Capital is a national top 100 direct mortgage lender, established in 2002. We provide home purchase and refinance loans across the country. Using the latest in custom FinTech software, we are able to offer our customers the best loan product, at the lowest possible cost, with superior customer service. We have some of the lowest rates and fastest closing times in the industry, and pride ourselves on our unique customer-centric business model. Excellence is our hallmark. Whether it is providing unparalleled customer service to our borrowers or ensuring the well-being of our staff, we never sacrifice quality for anything. www.NetworkCapital.com

• INC Magazine rare Honor Roll award for Fastest Growing Companies, 6 years
• Fortune Magazine Best Workplaces in Financial Services & Insurance - 2020
• Mortgage Executive Magazine award for Top 100 Mortgage Companies, 2 years
• Endorsed by Largest Mortgage Radio Show in the Nation with over 4 million weekly listeners

Check out our video here: https://youtu.be/IvV82Pp0p9Q

Responsibilities

• Manually Underwrite conventional (Fannie/Freddie) and VA & FHA loan applications
• Review submitted loan approval conditions and disposition as appropriate
• Manually Underwrite 1 to 4-unit residential property appraisals
• Review, validate, and update loan file data including transaction details, credit, liability, income, asset, and property information
• Provide communications to internal partners including processors, underwriters, loan officers, funders, shippers, and production managers regarding file structuring, counteroffers, and/or documents needed to move files forward in the most expeditious manner possible
• Stays current on all Fannie Mae & Freddie Mac selling guide updates, HUD, VA, GMNA guidelines , lender letters, bulletins, and announcements
• Resolve loose-ends identified by Post-Closing/Loan Delivery team as needed
• Complete mandatory training assignments as directed
• Performs other mortgage underwriting related duties as assigned

Skills & Experience:

• Minimum 4 years of recent mortgage manual underwriting experience
• Able to maintain positive attitude and be productive under pressure and tight deadlines
• On site position, must be able to work well independently with minimal supervision
• Well versed in searching and correctly interpreting Fannie Mae and Freddie Mac requirements set forth in their respective Selling Guides for manual underwriting
• Thorough knowledge of FHA HUD 4000.1 and VA Lender Handbook Chapter 4 for manual underwriting
• Strong sense of urgency, flexible and adaptable
• Capable and competent in evaluating personal and business tax returns
• Expert using Desktop Underwriter (DU) and Loan Product Advisor (LPA)
• Experienced with, or at minimum, familiar with Condo Project Manager, Early Check, and Loan Collateral Advisor, CoreLogic’s Loan Safe & Real Quest applications
• Experience underwriting loans at a national level and in all markets preferred
• Encompass LOS experience preferred but not required

The Benefits:

• Excellent compensation
• 100% retail originations (no loan brokers to deal with!)
• Medical, Dental, Vision, Life Insurance, and 401K

Job Type: Full-time

Network Capital is proud to be an Equal Employment Opportunity employer. It is our intent to maintain a work environment which is free of harassment, discrimination and retaliation due to age, race religious creed, color, national origin, ancestry, physical disability, mental disability, medical condition, genetic information, marital status, sex (including pregnancy, childbirth, breastfeeding and/or related medical conditions), gender, gender identity, gender expression, sexual orientation, military or veteran status, or any other status protected by federal, state or local laws. Should you require assistance or an accommodation due to a disability, you may contact us at (949) 408-2814.

Job Type: Full-time

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