Underwriter IV - Remote

Company: Cardinal Financial
Location: Remote
Posted on: January 15, 2022

Job Description:

Who We Are:

Cardinal Financial is a nationwide direct mortgage lender that focuses on creating solutions for our borrowers, partners, and employees-to provide the very best experience. We are genuine and hard-working individuals who are not scared to improve and intentionally push beyond what is considered "good enough".

Looking to join a company that values its people, innovates and expands on its proprietary technology, and is growing at a ridiculous rate?! Apply below!

What You Need:

* High school diploma/GED and comparable work experience
* 3 or more years of Mortgage Underwriting with extensive government experience
* FHA, DE and VP LAPP/SAR credentials
* USDA, One Time Close or 203K construction experience
* Down payment assistance and bond experience
* Work independently and in a team environment
* Working knowledge of mortgage related software, learn and comprehend our proprietary software Octane
* Leadership qualities

What You Will Do:

* Validate automated underwriting findings, asset, income, and collateral documents while verifying accuracy and completeness.
* Review appraisal to ensure valuation is accurate and value is supported.
* Calculate and review the Net Tangible Benefit in applicable states.
* Communicate with processors, sales management, or processing management to ensure all parties are aware of loan status and any outstanding requirements.
* Ensure you meet daily, weekly and monthly internally specified requirements surrounding productivity metrics.
* Ensure the loans in your pipeline are being underwritten with accuracy and within compliance of current agency, investor, corporate, and RESPA policies.
* Find solutions to challenging scenarios or loan conditions by working with underwriting or processing colleagues.
* Represent us well by providing excellent customer service when working with our customers, vendors, members of state and regional government entities, and other organizations.
* Maintain working knowledge of lending programs, policies, corporate procedures, and regulatory requirements.
* Demonstrate a commitment to our professional standards, compliance with all Federal and State policies, and following HMDA requirements.

What We Offer:

* Strength, Stability, and Vision.
* Great compensation package.
* Opportunity for career growth
* A commitment to be a relevant market leader - we are aiming for the top!
* Octane, our engineered proprietary technology that is transforming the mortgage industry.
* An empowered culture where your ideas are important and your voice matters.
* Full Benefits, beginning the first day of the month following your start date including - Medical, Dental, Vision, Life, Disability Insurance, and much more.
* Generous paid time off package that also includes all major holidays.
* 401K w/ 50% match - Beginning the 1st of the month following 30 days of employment.

Cardinal Financial is an Equal Opportunity Employer. We respect and aim to empower individuals and support the diverse cultures, perspectives, skills and experiences within our workforce. The expected base salary for this position ranges from $85,000 to $105,000, depending upon experience and skill set.

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