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Randstad, Walnut Creek, CA (7.7 miles from Concord, CA)
permanent $ 80,000 - $ 90,000 per hour
Join the #1 Mortgage originator and servicer!! An industry leader in banking supporting homeowners and consumers is looking for a Consumer Loan Underwriter. They attract, develop, retain and motivate the most talented people - those who care and who work together as partners across business units and functions. They value and promote diversity and inclusion in every aspect of their business and at every level of their organization. Job functions include: - Responsible for reviewing, analyzing, approving and underwriting difficult, complex individual consumer requests and products within company and industry guidelines. - Responsible for meeting and maintaining portfolio lending quality standards. - Dependent on division, functions include reviewing financial statements, credit reports, and applicable ratios (i.e. Debt ratios, loan-to-value). - Examining transactions to ensure accuracy and completeness. - Preparing formal reports for review; ensuring that documents are consistent and uphold to company and industry guidelines. - Implementing fraud detection techniques, performing compliance reviews. - Assisting with re-negotiations of loans based on lending guidelines, serving as a consultant/technical resource on difficult problems and questions. - Handling escalated calls. - Providing work direction, feedback and training to underwriting staff including mentoring lower level underwriters on credit decisioning, department procedures and policies. - Delivering/facilitating of technical training to ensure organizational consistency. - May act as a team lead and provide performance feedback to less senior underwriters. - May act as backup in absence of Supervisor. Working hours: Monday to Friday 8:00AM to 5:00PM Basic Qualifications: 5+ years underwriting experience. Persons in this position must meet the Consumer Financial Protection Bureau loan originator qualification requirements and must comply with bank policies related to these requirements. The loan originator qualification requirements include meeting applicable financial responsibility, character, credit fitness and criminal background standards. Successful candidates must also meet ongoing regulatory requirements including additional screening. Minimum Qualifications: -Mortgage or Commercial underwriting experience, including manual and/or exception underwriting. -Advanced income analysis with includes experience in reviewing Self-employment, Corporate, and Partnerships tax returns. -Advanced asset analysis and experience working with all types, and extensive experience with layering risk and evaluation. -Thorough understanding of underwriting policies and procedures, including regulatory updates. -Ability to handle confidential material in a professional, highly ethical manner. -Excellent verbal and written communication skills and possess a high degree of attention to detail. -Strong interpersonal skills to build and maintain professional relationships with clients, customers, and co-workers. -Strong time management and organization skills to effectively prioritize multiple objectives and achieve volume goals. -Experience in talking with the customer about loan decision. -Must be able to work in a production/flexible environment. -Work overtime as needed. -Intermediate PC and keyboarding skills, including experience with Windows operating systems. Randstad is a world leader in matching great people with great companies. Our experienced agents will listen carefully to your employment needs and then work diligently to match your skills and qualifications to the right job and company. Whether you're looking for temporary, temporary-to-permanent or permanent opportunities, no one works harder for you than Randstad. EEO Employer: Race, Religion, Color, National Origin, Citizenship, Sex, Age, Disability, Ancestry, Veteran Status, Genetic Information, Service in the Uniformed Services or any other classification protected by law. [show more]
- May 18, 2015
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