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CLDD Underwriter (215)

Company: Evolve Mortgage Services, LLC
Location: Miami
Posted on: January 16, 2022

Job Description:


Evolve Mortgage Services is looking to add an Underwriter to its Closed-Loan Due Diligence team. This position will be 100% remote and is full-time with benefits.

The position will underwrite residential loans ensuring compliance with corporate and secondary market investor standards. Underwriter is responsible for examining loan documentation for accuracy and completeness, rendering decisions and subsequent clearing of conditions to ensure credit guidelines are met.


Evolve Mortgage Services has raised the bar for outsourced mortgage services and digital eMortgage technology over the last 25 years. Evolve has gained unsurpassed experience by working on millions of loans providing comprehensive fully onshore business process services and a complete software platform. Evolve is the only mortgage technology company capable of providing a true eMortgage in a single platform. While other companies have come and gone or have been sold over the years, Evolve provides mortgage lenders the invaluable peace of mind that comes from longevity and stability. It explains why many of the industry's largest organizations have trusted Evolve with their outsourcing needs, including 4 of the top 15 lenders.


At Evolve, we've built a phenomenal work environment where staff have the flexibility and support to let their careers flourish. And we offer generous pay and a competitive benefits package, with full medical, dental and vision benefits, 401k plans, paid vacation, sick time and holidays.

And with our strong track record of growth over many years, you'll enjoy the peace of mind that comes with great job security. Because at Evolve, we're focused on the long game, not the whims of today's market.

Specific duties:

  • Perform AUS or Manual underwriting of conventional and/or Jumbo mortgage loans including a detailed review of the residential mortgage loan application and documentation as submitted to ensure loans meet agency and Client underwriting guidelines
  • CLDD includes Government loans and TPR loans
  • Identify any additional conditions as needed to insure a viable credit decision
  • Analyze borrower's credit profile, collateral and capacity to repay the proposed mortgage obligation
  • Review property appraisal
  • Accurately calculate borrower's income and debt-to-income ratios based on acceptable agency and company practices
  • Effectively communicate all lending decisions to appropriate parties as defined by company
  • Run, read, and interpret automated underwriting decision results from both Desktop Underwriter and Loan Prospector
  • Develop and maintain knowledge of multiple loan product guidelines
  • Document lending decisions and complete required screens in the mrn3 underwriting system as well as adding and/or creating applicable conditions on the loan Decision letter
  • Review conditions submitted on loans and sign off on conditions where appropriate
  • Prioritize new assignments, TDoc, and escalation queue to ensure service level agreements are met. Consistently meet or exceed established minimum productivity and quality goals
  • Provide quality control responses in a timely manner.

    • File metrics (SLA)
    • Client Satisfaction
    • Meeting quality standards
    • Employee/vendor satisfaction and retention
    • Employee/vendor productivity and efficiency
    • Profitability

      What You Have To Be Considered

      To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/ or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
      • 3 years of experience in manual and automated underwriting

        • College degree in finance or business management (Preferred) or equivalent experience.

          Preferred Skills
          • Technologically savvy, with the ability to work in varied systems
          • Proficiency with mortgage underwriting
          • 7+ years in mortgage credit operations
          • Active Knowledge of FHA, VA, USDA, Conventional, Jumbo, and non-QM loan types
          • Experience in on-line training tools
          • Excellent personal relationship skills
          • Excellent written & telephone communication
          • Ability to work from home and maintain a separate workspace with specific (regular) business hours.
          • Ability to stay focused and organized in a busy environment

            Physical Demands: The physical demands of this position involve normal sitting, standing, stretching and use of a computer keyboard for data entry. Lifting requirements are minimal, involving no more than 10 pounds. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

            Work Environment: Remote Home office

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Keywords: Evolve Mortgage Services, LLC, Miami , CLDD Underwriter (215), Other , Miami, Florida

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