Senior Underwriter

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    "city": "El Monte",
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    "title": "Senior Underwriter",
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    "datePosted": "2024-06-06T08:38:44.206Z",
    "description": "<h2>Introduction</h2>\n<p>Since 1973, East West Bank has served as a pathway to success. With over 110 locations across the U.S. and Asia, we are the premier financial bridge between the East and West. Our teams of experienced, multi-cultural professionals help guide businesses and community members on both sides of the Pacific looking to explore new markets and create new opportunities, and our sustained growth and expertise in industries like real estate, entertainment and media, private equity and venture capital, and high-tech help build sustainable businesses and expand our associates’ potential for career advancement. </p>\n<p> </p>\n<p>Headquartered in California, East West Bank (Nasdaq: EWBC) is a top-performing commercial bank with a strong foundation, an enterprising spirit and a commitment to absolute integrity. East West Bank gives people the confidence to reach further.</p>\n<h2>Overview</h2>\n<p>The Senior Underwriter or Underwriter II will be responsible for underwriting agency and portfolio loans toestablished company and investor guidelines. The position requires that the candidate have the ability toclearly communicate underwriting decisions and stipulations to sales, processing staff and borrowers.</p>\n<h2>Responsibilities</h2>\n<ul>\n <li>Underwrite agency loans and EWB portfolio loans.</li>\n <li>Review and evaluate loan documents to ensure accuracy, completeness, and compliance withcompany standards, federal and agency standards and guidelines, as well as any applicablestate-specific and or local regulations, ordinances, etc.</li>\n <li>Analyze customer's loan-to-value ratio, debt-to-income (or debt-to-asset) ratio, credit report,application, income and assets, source(s) of down payment funds, and supporting documentationto identify potential fraud or misrepresentation.</li>\n <li>Review appraisals to ensure that loans meet secondary market, investor, and companystandards.</li>\n <li>Work with Loan Processors and Loan Officers on collecting information and documentationnecessary to finalize incomplete loan packages. Provide options and recommendations to LoanProcessors and Loan Officer regarding suitable options.</li>\n <li>Determine if additional documentation or information would aid loan decision; request additionaldocumentation or information accordingly.</li>\n <li>Stay abreast of current regulations and industry trends that affect compliance and decisionmaking.</li>\n <li>Verify that system input is accurate and that company systems match Automated UnderwritingSystem (AUS), as applicable.</li>\n <li>Use expertise to answer questions and resolve escalated issues from junior-</li>\n <li>Perform other duties as assigned.</li>\n</ul>\n<h2>Qualifications</h2>\n<ul>\n <li>High school diploma or equivalent required; college courses/technical training related toBusiness, Finance/Accounting, Legal, or related field is preferred, along with total recent workexperience that includes five or more years underwriting conventional loans.Expert-level knowledge of overall mortgage lending processes, including underwriting, funding,and loan processing.</li>\n <li>Expert-level knowledge of valid documentation related to the processing consumer mortgageapplications (e.g., tax returns, financial statements and records, verification of income anddeposits, etc.).</li>\n <li>Expert-level knowledge of underwriting and regulatory requirements; detailed knowledge offederal, state, and regulatory requirements/guidelines related to consumer mortgage lending andinternal processes and controls.</li>\n <li>Ability to think critically, including the ability to evaluate facts and data to draw conclusions, anddetermine the downstream impact of decisions and associated risks.</li>\n <li>Ability to prioritize multiple tasks in a deadline-driven environment, strong sense of urgency andresponsiveness.</li>\n <li>Intermediate math skills.</li>\n <li>Strong verbal and written communication skills.</li>\n <li>Strong detail orientation and highly organized.</li>\n <li>Prior experience using internal data entry systems, Microsoft Word, Excel and PDF/DocumentRetention programs.</li>\n <li>Experience working within Encompass preferred.</li>\n</ul>\n<p> </p>\n<p>Applicants must have legal authorization to work in the United States.  We do not offer visa sponsorship at this time.  </p>\n<h2>Compensation</h2>The base pay range for this position is USD $20.00/Hr. - USD $47.00/Hr. Exact offers will be determined based on job-related knowledge, skills, experience, and location.",
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