Description

The Director will assist Senior Management in developing and administering underwriting and compliance programs, and will serve as the primary administrator for the Encompass loan origination system (LOS) and Mortgage Electronic Registration System (MERS).

Key Responsibilities:

• Oversee day-to-day mortgage underwriting and compliance with regulations.

• Manage internal and external compliance reviews.

• Maintain and enhance the Encompass LOS system.

• Ensure alignment of mortgage quality control with organizational goals.

• Provide compliance training and technical guidance to staff.

• Consult on new and existing loan products and risk management.

• Approve, modify, or decline mortgage loan requests and communicate decisions.

• Evaluate borrower creditworthiness and review loan documentation for accuracy.

• Prepare files for closing and conduct post-closing reviews.

• Manage relationships with vendors and third-party auditors.

• Participate in strategic planning and special projects.

  Requirements

Bachelor’s degree in related field preferred. Equivalent experience also will be considered.

Minimum of five years of experience in underwriting residential loans in a fast-paced production environment.

Thorough understanding of FNMA/FHLMC, FHA/VA and Non-Conforming underwriting guidelines.

Proficient in Microsoft Office (word, excel, Access, outlook) and Encompass 360.

Thorough understanding of mortgage loan origination, processing, closing, shipping, and the secondary market.

Specialized training in property evaluation, tax return evaluation and underwriting a self-employed borrower is preferred.

Thorough understanding of consumer-lending statutes (Reg B, Reg Z, Reg X, Fair Credit Reporting Act, Fair Housing Act)

In-depth experience working with automated underwriting.

Detailed knowledge of an integrated mortgage compliance system.

Robert Half is the world’s first and largest specialized talent solutions firm that connects highly qualified job seekers to opportunities at great companies. We offer contract, temporary and permanent placement solutions for finance and accounting, technology, marketing and creative, legal, and administrative and customer support roles.

Robert Half works to put you in the best position to succeed. We provide access to top jobs, competitive compensation and benefits, and free online training. Stay on top of every opportunity - whenever you choose - even on the go. Download the Robert Half app (https://www.roberthalf.com/us/en/mobile-app) and get 1-tap apply, notifications of AI-matched jobs, and much more.

All applicants applying for U.S. job openings must be legally authorized to work in the United States. Benefits are available to contract/temporary professionals, including medical, vision, dental, and life and disability insurance. Hired contract/temporary professionals are also eligible to enroll in our company 401(k) plan. Visit roberthalf.gobenefits.net for more information.

© 2024 Robert Half. An Equal Opportunity Employer. M/F/Disability/Veterans. By clicking “Apply Now,” you’re agreeing to Robert Half’s Terms of Use (https://www.roberthalf.com/us/en/terms) .