Temp DE/SAR Underwriter

Loan Operations Scottsdale, Arizona


Position at Inspire Home Loans

Temporary DE/SAR Underwriter - Remote  

About Inspire Home Loans     
As the proud affiliate lender of Century Communities—one of the nation's largest homebuilders and industry leader in online sales—we know what it takes to be a market gamechanger, and that includes providing you with all the resources, opportunities and benefits to build a thriving and rewarding career.
We Hire The Best     
Our mission of financing A Home For Every Dream™ is only possible with the best talent in the industry. If that’s you—if you’re a self-starter, changemaker, and thoughtful collaborator ready to take their career to the next level—then apply today!
Position Summary:      
Inspire Home Loans is seeking a Temporary DE/SAR Underwriter with 5+ years of experience underwriting conventional & government loans to ensure appropriate guidelines are met according to investor requirements. The temporary status is up to 30 days.
Essential Functions and Responsibilities:     
  • Diligently review credit, income and assets documentation to determine borrower’s credit worthiness and repayment ability.
  • Review property appraisal report to ensure value of property is accurately presented.
  • Review more complex loans, including but not limited to self-employed borrowers. Analyze business tax returns and calculate qualifying income.
  • Able to follow AUS findings as well as manually underwrite loans.
  • Leverage knowledge of loan products and offer alternative financing options on eligible loans that are unable to be approved as submitted.
  • Clear, concise and appropriate conditioning of loans when rendering decisions.
  • Reviews items that are a variation of the actual condition required to determine if the acceptance of this condition will be acceptable to the investor.
  • Mentor processing staff on underwriting deficiencies and calculation errors.
  • Ensures quality control standards are met so company is able to sell loan.
  • Works collaboratively with team members (i.e. loan officers, loan processors, closing, post-closing, etc) to drive quality deals to successful funding;
  • Keep up to date on agency/non-agency guidelines and internal policy and procedures.
  • Underwrite 2-3 new files a day in addition to reviewing files for conditions and clear to close.
Education and Experience:     
  • Previous underwriting experience required; preferably 5+ years of experience with conventional loans.
  • DE/LAPP/SAR required.
  • Thorough knowledge of loan origination systems, Encompass, a plus.
  • Familiarity with builder loans, preferred.
  • Extensive knowledge of investor guidelines.
  • Prior experience working in a fast paced, high volume environment.
  • Proficiency in Microsoft Office products such as Word, Excel, and Outlook
  • Organized, attention to details, time-sensitive and dependable

    Compensation: Inspire Home Loans intends to offer the selected candidate an hourly pay rate of $48-$55.  Actual offers will be based on a variety of factors including experience.  This is a Temporary Role Up to 30 Days.

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