ApplyDescription
Work for an Award Winning Company Culture!
Are you an independent, self-starting, team player with a positive attitude? Are you passionate about giving back to your community? Do you want to work for a company that we like to think as the “happiest place in mortgage” and has been voted a “Best Place to Work” for the last 17 years? Join our family at Homeowners Financial Group and you can take advantage of our great benefits.
Benefits:
- Award-Winning Company Culture
- Employee volunteer opportunities
- 9 paid holidays
- Generous paid time off policy
- Cigna Healthcare Benefits including medical, dental, vision, life, and disability
- Ancillary Benefits include: Aflac, MetLaw Legal Plan, Pet Benefit Solutions
- 401k with discretionary match
- Employee tenure program
- President's Club eligibility for both Sales and Operations staff
Who We Are:
Homeowners Financial Group has over 300 employees in 41 offices across the country and has helped tens of thousands of homeowners realize home ownership. We are not your typical mortgage company: we foster a “family” environment, we give back to the community through dozens of charities and we love what we do!
Who We Want:
We want a Senior Collateral Underwriter who is responsible for the timely and accurate evaluation of multi-State, high-risk appraisals, and complex appraisals in accordance with investor and agency guidelines. This position evaluates more difficult/complex appraisals ensuring compliance with AIR, Homeowners, and secondary market investor standards. The Senior Collateral Underwriter provides support to Underwriting staff for evaluation of appraisals upon request. The Senior Collateral Underwriter provides training and direction to production, processing, and underwriting staff on valuation analysis and appraisal principles.
Essential Duties:
- Reviews and approves appraisal reconsideration requests for delivery to appropriate AMC
- Pulls and works UCDP report every morning and identifies high-risk appraisals with a CU score of 4.0 or greater and/or any overvaluation and undervaluation message
- Applies investor underwriting guidelines, and federal regulations to the decision process to ensure appraisal loan quality
- Communicates evaluation decision to production staff, processing staff, and Underwriters
- Requests all appraisal revisions on high-risk appraisal reviews directly with the AMC, reviews the revision and approves or makes recommendation for further analysis
- Reviews and responds to investor suspense’s on appraisal issues and any repurchase requests
- Monitors appraiser performance and provides appropriate recommendation for appraisers that are non-compliant with FIRREA and USPAP
- Demonstrates sound judgment in the analysis of required documentation with mitigating organization risk through appropriate decision-making
- Meets or exceeds productivity levels established by Management
- Acts as a resource for operations and sales colleagues regarding specific appraisal product requirements for loans in process
- Remains current and certified as a Residential Appraiser
- Participates in Homeowners internal meetings and required trainings
- Maintains a professional image and demonstrates an understanding of and follows all Homeowners Policies and Procedures
- Other duties as assigned
RequirementsQualifications:
- High School Diploma or equivalent required
- Bachelor’s degree preferred
- Certified Residential Appraiser license required
- Minimum 10 years as a licensed/certified appraiser
- Proficient in appraisal principles and theory, GSE and HUD guidelines, FIRREA and USPAP
- Proficient in Microsoft Office products
- Excellent written and verbal communication skills
- Strong customer service skills to internal and external customers
- Ability to develop positive relationships
- Exceptional organization and time management skills
- Ability to manage multiple tasks and deadlines in a fast-paced environment
- Must be able to implement written procedures
- Independent, self-starting, team player with a positive attitude
Working Conditions:The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. This job may require handling objects up to 10 pounds frequently and 20 pounds occasionally. While performing the duties described herein, the employee is regularly required to sit; use hands and fingers to handle or feel in addition to talking and hearing. The employee is frequently required to stand and walk. The noise level in the work environment is usually moderate.
Office environment is normally climate-controlled.Homeowners Financial Group is an Equal Opportunity Employer. All employment is decided on the basis of qualifications, merit and business need.
