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Job Description
Underwriter
HELP ME TAKE FAIRWAY AMERICA TO THE NEXT LEVEL!
"As President of Fairway America, I am looking for a dedicated and thorough loan Underwriter to review loan packages, assess risk, and make recommendations for conditions and approval. Accurate and complete underwriting of risk is a foundation of our success."
Matt Burk, President
For the A-player looking for something special who can answer "yes" to all of the following questions, this is the opportunity for you.
- Are you analytical by nature?
- Do you enjoy looking through files and documentation and assessing risk?
- Do you enjoy being part "private detective"?
- Are you seeking meaning and purpose in your career?
- Do you hate office politics as much as we do?
- Are you seeking an atmosphere of open and direct communication, clear and mutually established priorities and expectations, and a culture of accountability?
- Are you professional and results driven, yet lighthearted and fun?
- Do you exceed people's expectations of you on a regular basis?
- Is it in your bones to seek continual improvement?
- Do you have passion to do your job as well as it can be done?
- Do you want to make a tangible difference in the success of your company?
If you answered "yes" to these questions, we want to meet you!
The Position
Our underwriters play a vital role in the sales process by reviewing loan packages in a timely manner as well as protecting our investors by making intelligent, well thought out recommendations.
Responsibilities
- Analyze all aspects of loan files – including credit, income & property.
- Work with Loan Officer to structure new deals.
- Make recommendations to Chief Credit Officer for approving or declining a loan as well as what conditions to require.
- Work with 3rd party vendors in all aspects of the loan process (appraiser, title company, environmental inspector).
- Review loan submissions and issue Conditional Loan Approvals in accordance with Investor and Bank guidelines.
- Verify all documentation and perform necessary calculations (such as debt-to-income ratios, debt coverage ratios, etc).
- Review and clear approval conditions as required.
- Pull property comps and perform desk appraisal reviews.
- Accurately track all loans in pipeline in our CRM (Salesforce.com) from start to finish.
- Coordinate ordering of loan documents (including drafting such documents) and closing of loan to escrow.
- Work with Loan Processor and Closer/Funder to ensure smooth and timely loan closings.
Qualifications
At Fairway America, your values, abilities, and track record of success are more important than direct experience. That being said, an ideal candidate would have the following:
- 5+ years relevant experience in loan underwriting, preferably some commercial.
- Bachelors degree in Accounting, Finance, Economics, Real Estate or other related fields or similar combination of education and experience.
- Highly developed analytical, research and written/oral presentation skills.
- Ability to problem-solve and exercise independent judgment while displaying a high degree of initiative and accuracy.
- Demonstrated ability to organize & prioritize projects; complete multiple tasks on schedule.
- Ability to work productively under minimal supervision.
- Must be proficient in Excel, Word, and Microsoft Office. (Salesforce a plus).
- Strong work ethic and pro-active team player able to work effectively under sometimes stressful conditions.
Benefits
Fairway America is committed to maintaining a diverse, motivated, positive work environment full of great people who share, demonstrate, and live our core values. Take pride in working for a company that lives its core values, vision and mission/purpose and continually provides tangible value and benefit to its employees, brokers, borrowers and investors. Our benefits include:
- Competitive Salary
- Bonuses
- Medical & Dental Coverage
- Matching 401K Plan
- Company paid ongoing training and personal development
- Paid time off/comp time
- Outstanding working environment
- Flex schedules (some positions)
- Family friendly, atmosphere and culture.
At Fairway America, we are committed to our core values:
- Driven and Committed
- Responsible and Accountable
- Open Communication
- Perpetual Growth and Improvement
- Courage with Consideration and
- Trust and Respect
We believe in:
- Quality of Life
- Win/Win
- Fun
These values are alive at our company and we live them every day while pursuing our purpose of "Honorably doing worthwhile deals that create value, wealth, dignity and superior returns for all parties involved". If a deal is not worthwhile for everyone (our borrowers, investors, referral sources, and Fairway America), we'd rather not do it at all.
Apply
If you feel you are an "A player", are up for our challenging, demanding, and rigorous hiring process, and would like to join a dynamic, growing company, please submit your cover letter and resume to start the application process. All candidates must complete the application process to be considered. Phone calls are not accepted.
