Jr. Underwriter - Mortgage

Position: Jr. Underwriter - Mortgage Salary: Competitive Salary & Bonuses & Great Benefits Location: Jacksonville, Florida Company Information: Plaza Home Mortgage, Inc. has earned a well-deserved reputation as an esteemed industry leader by serving our communities through both wholesale and correspondent lending production channels. Plaza has been in business since December 2000, and manages an extensive system of regional loan centers from its San Diego, California Corporate Headquarters. Job Summary: Responsible for assisting the Senior Underwriters in set-up and review of residential loan file documents. May sign off on underwriting conditions that are both non-credit and credit-qualifying, depending upon lending authority.Junior Underwriters will be assigned Lending Authority levels by Corp Underwriting. Levels are I - II. Salary & Benefits: Competitive salary & pay plan that includes uncapped commissions 401 K Medical, Dental, and Vision Life insurance & disability Vacation & Sick Days Great Work Environment Essential Duties & Responsibilities: Knowledge of FNMA, and FMLMC documentation and general guidelines/standards Experience with FHA,VA and USDA is preferred, but not required Proficiency with DU/DO, LP, FHA Connection, and USDA GUS also preferred, but not required May sign off on underwriting conditions within authority (lending authority to be approved by Corp Underwriting) Perform accurate data validation of file and update system of record, certifying system data integrity Acts as a liaison by communication loan decision and conditions to CSRs, Brokers and Correspondent Clients Review Government Insuring Disclosures Run and review quality control tools – i.e. FraduGuard and Early Check Education / Experience / Requirements: High school diploma or equivalent required; College degree preferred Previous Underwriting experience required to be eligible for Level I underwriting authority Good grasp of basic underwriting documentation and the qualifying requirements Experience with (AUS) automated underwriting systems Time management and organization skills essential to effectively prioritize multiple objectives and achieve volume goals Familiarity with Loan Origination Systems such as DataTrac and NetOxygen Knowledge of paperless file environment and image software repository Plaza is an EEOC employer and follows all federal, state, and local laws relating to fair employment. Plaza Home Mortgage, Inc. is committed to preventing, stopping and remedying all forms of discrimination that occur in its workplace. Managers are accountable for keeping Plaza’s workplace free from discrimination and ensuring that Plaza provides equal employment opportunity for all in the workforce and for those seeking to become members of Plaza’s workforce. Plaza’s employees are protected by laws designed to protect employees from discrimination on the bases of race, religion, color, sex, pregnancy, gender identity, sexual orientation, parental status, national origin, age, disability, family medical history or genetic information, political affiliation, military service, or any other non-merit based factor. These protections extend to all management practices and decisions, including recruitment and hiring practices, appraisal systems, promotions, and training and career development programs. Plaza’s employees are also protected against retaliation if they engage in a protected activity, whistle blowing, or the exercise of any appeal or grievance right provided by law.