Imagine Staffing Technology Residential Underwriter in Amherst, NY | 1294364036

Estimated Pay info	$78 per hour
Hours	Full-time
Location	Amherst, New York

Job Description

Job Title: Residential Underwriter

Location: Amherst, NY

Hire Type: Direct Hire

Pay Range: $60,000 - $80,000

Work Type: Full-time

Work Model: Onsite

Work Schedule: Monday – Friday, 8am – 5pm

Recruiter Contact: Karissa Lubberts / 716.256.1254 / klubberts@imaginestaffing.net

Nature & Scope:

Positional Overview

Imagine Staffing is recruiting for a Residential Underwriter on behalf of our client, an independent trust oversight firm in Amherst, NY specializing in function as a non-biased thirty party providing oversight with financial transactions, ensuring compliance and investor protection.

In this role you will be responsible for conducting comprehensive re-underwriting reviews of previously closed residential mortgage loans, with a focus on representation and warranty due diligence, credit analysis, regulatory compliance, and collateral evaluation. If you’re looking for the next step in your career after learning mortgage processing, servicing, and/or closing, don’t miss this rare opportunity for hands-on training to learn underwriting!

Role & Responsibility:

Tasks That Will Lead to Your Success

Perform comprehensive representation and warranty reviews of previously originated mortgage loans.
Assess borrower creditworthiness and evaluate compliance with underwriting, closing, and investor guidelines.
Review and validate income, assets, liabilities, credit reports, appraisals, title documentation, and supporting loan documentation.
Recalculate income, assets, debt-to-income ratios (DTI), and other underwriting metrics as required.
Analyze complex self-employed borrower tax returns and financial statements.
Evaluate collateral quality through appraisal reviews and related valuation tools.
Review fraud detection reports and identify potential risk factors.
Review preliminary and final title policies to ensure compliance and marketability.
Ensure adherence to federal and state mortgage regulations, including TRID, QM/ATR, TILA, RESPA, Fair Lending, and Reg Z requirements.
Document review findings clearly, accurately, and professionally.
Identify material exceptions and provide recommendations for remediation.
Maintain current knowledge of regulatory updates, investor requirements, and underwriting guidelines.
Assist with User Acceptance Testing (UAT) for internal system enhancements and updates.
Support reviews of transaction and deal documentation as needed.
Follow internal procedures, workflows, and quality control standards.
Collaborate effectively with team members while maintaining the ability to work independently.
Timely completion of assigned underwriting and due diligence reviews.
Accuracy and quality of underwriting analyses and documentation.
Clear, concise, and well-supported reporting of findings.
Consistent adherence to internal procedures and quality standards.
Effective management of workload and deadlines.

Skills & Experience

Qualifications That Will Help You Thrive

College Degree in business or related field preferred.
3-4 years of experience in the residential mortgage industry.
Minimum 3–5 years of recent mortgage experience in processing, servicing, closing, or loss mitigation
Hands-on experience with underwriting preferred but not required
Quality Control (QC) auditing and forensic loan review experience preferred.
Experience working with multiple lenders, originators, and investor guidelines is highly desirable.
Experience with condominium and cooperative (co-op) reviews preferred.
Strong understanding of residential mortgage underwriting, loan documentation, and title review processes.
Knowledge of secondary market requirements and investor underwriting guidelines.

Residential Underwriter

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