Responsible for pipeline management for loans with escalated Underwriting conditions from the review team in accordance with company and investor guidelines. The duties for a Credit Specialist, but are not limited to, those described below.

Essential Job Functions:

• Communication: Maintain effective communication (liaison) with Correspondent Partners, internal staff and Account Executives
• Organization: Ensures loan files are complete with all outstanding issues addressed.
• Equipment: Uses such office equipment as computer terminals, copiers and FAX machines.
• Physical: Sits for extended time periods.  Hearing and vision within normal ranges.

• Completes a thorough analysis of loan files to determine compliance with company and investor guidelines.
• Evaluates the entire credit package and collateral for residential mortgage loans and ultimately ensures an “investment” quality loan product.
• Checks accuracy of all calculations and data integrity.
• Maintains company standard for productivity level.
• Communicates decision on loans to appropriate parties both verbally and in writing.
• Maintains seasoned logs and provides monthly underwriting report to manager.
• Available to Correspondent or Account Executive for general guideline interpretations and questions on specific loan files.
• Responds to post closing reviews and audits in a timely fashion.
• Performs related duties, as directed by Manager.

• Minimum three years of mortgage underwriting experience, with solid working knowledge of underwriting guidelines.
• Experience with private investor and private mortgage insurance guidelines.

Skills:

• Strong interpersonal-communication and business-relationship skills.
• Detail oriented with strong organizational and follow-through skills.
• Excellent analytical, written communication and verbal communication skills.
• Technologically proficient.

Education:

• Bachelor’s degree in related field or equivalent professional experience.