About CBC Mortgage Agency

Voted as one of the top 20 places to work in Utah, and winner of Best Communication in the State of Utah. CBC Mortgage Agency (CBCMA) focuses on personal and professional development as the core value of the Company that has established a record of success and growth. Take your career to the next level in a comfortable workplace with an environment that encourages networking and team socializing. As well as great perks and benefits the position offers competitive wages, depending on experience, as well as full benefits, including medical, dental, and vision insurance coverage, short- and long-term disability, and a 401(k) plan retirement investment. In addition to these great benefits, we offer 11 company holidays a year and paid time off (PTO). If this is the opportunity that you’ve been waiting for, apply today!

ABOUT CEDAR BAND CORPORATION:

We are a federally chartered tribal corporation wholly owned by the Cedar Band of Paiutes. Deeply rooted in our rich history, we provide industry-leading military and government contractor services, including construction management, technology, telecommunications, and staffing solutions, as well as mortgage industry, convenience store, and beverage distribution services to federal agencies and commercial industries. From our modest beginnings as a single IT company with one contract, we have grown to ten branded companies across the nation. Headquartered in Cedar City, Utah, with regional offices and project sites in South Jordan, UT; Las Vegas, NV; Huntsville, AL, we employ over 100 employees, who are all committed to our vision to be an industry leader as a tribally-owned business that provides world-class service. In order to attract and retain this caliber of employees, we offer competitive compensation, excellent benefits, and a dynamic work environment based on open communication and honesty.

Compensation: $40.00+ DOE

JOB SUMMARY/OBJECTIVE:

CBC Mortgage Agency’s Due Diligence Underwriter is responsible for the secondary underwriting review of correspondent submitted 1st and 2nd mortgage loans and investor conditions post-close and the subsequent follow-up to clear the conditions for purchase. The review includes multi-state, Conventional, and FHA Correspondent loan packages for both purchases and refinances.

Essential Functions:

Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

• Review credit, income, assets, collateral documentation per investor guidelines and CBCMA overlays and determine whether or not an investor or third-party due diligence conditions are valid.
• Provide responses and support to Purchase Clearing team on the validity of underwriting findings (3rd party due-diligence and investor findings)
• Be able to run DU, LP and proprietary AUS software
• Calculate income using traditional and non-traditional documentation to determine DTI ratios, and residual income figure when applicable
• Provide exceptional customer service to internal and external partners when trying to provide guidance on open conditions
• Track status of 3rd party due-diligence reviews and follow up to ensure purchase of loans

Competencies:

• Must have a minimum of 2-3 years of recent front-line residential mortgage underwriting experience, with FHA/VA experience preferred
• Must have in-depth knowledge of FNMA, FHLMC, FHA, and VA product guidelines
• Experience with Non-QM and alternative credit products preferred.
• Must have strong risk-based decision making and analytical skills
• Requires strong, concise, and effective communication skills to support internal and external customer service needs
• Must be detail orientated, organized, and work efficiently to promote timely pipeline management and accurate results
• Minimum two years Mortgage lending experience required
• DE certification is a plus
• SAR and LAPP certifications are a plus
• Professional attitude and appearance.
• Strong customer service skills.
• Effective interpersonal skills.
• Ability to be resourceful and proactive when issues arise.
• Excellent organizational skills.
• Excellent verbal communication skills.
• Excellent interpersonal and customer service skills.
• Basic understanding of administrative and clerical procedures and systems.
• Proficient with Microsoft Office Suite.

Work Environment:

This position can be remote or CBCMA onsite location.

Physical Requirements:

• Prolonged periods of sitting at a desk.
• Must be able to lift up to 15 pounds at times.

Position Type/Expected Hours of Work:

This is a full-time position, hours of work and days are Monday through Friday, 8 a.m. to 5 p.m. with occasional evenings as job duties demand.

Preferred Education and Experience:

• High School Degree/GED
• Minimum 2 years of position-related experience.
• DE Certification a plus
• SAR and LAAP certifications a plus
• Strong customer service skills.
• Effective interpersonal skills.
• Ability to be resourceful and proactive when issues arise.
• Excellent organizational skills.
• Excellent verbal communication skills.
• Excellent interpersonal and customer service skills.

Work Authorization/Security Clearance:

Must be authorized to legally work within the United States of America.

Other Duties:

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.