Job Description

Unicorn Hunter, partnered with Sage Home Loans is looking for experienced Senior/Government Underwriters to work on-site with a hybrid schedule in their Fort Mill, SC office! We are seeking a detail-oriented and analytical Mortgage Underwriter to join their dynamic team. The ideal candidate will possess strong financial acumen and a deep understanding of mortgage lending processes. As a Mortgage Underwriter, you will be responsible for evaluating loan applications, assessing risk, and ensuring compliance with regulatory standards. Your expertise will play a crucial role in making informed lending decisions that align with our company's goals.

What You’ll Do:

• Loan/Funding Request Evaluation: Analyze loan applications, including credit reports, income and asset documentation, appraisals, and other relevant documents.
• Risk Assessment: Determine the risk associated with each loan or funding request based on established guidelines and policies.
• Compliance: Ensure that all loans or funding requests meet the requirements of relevant government agencies (e.g., FHA, VA, USDA) and company policies.
• Decision-Making: Make independent decisions to approve or deny loan applications or funding requests.
• Condition Management: Review, update, and verify underwriting conditions to ensure they are met.
• Communication: Work with internal and external partners to gather necessary documentation and finalize the loan process.
• Data Verification: Verify the consistency of information throughout the loan file.
• Staying Informed: Keep up-to-date with industry announcements and regulations.
• Underwriting in an Automated Underwriting System environment
• Working in an Encompass based lender environment
• Other Duties: May include completing income calculation worksheets, managing loan pipelines, and contributing to process improvements.

What We’re Looking For:

• 4+ years of government mortgage underwriting experience
• Obtained DE and any other necessary certifications
• Ability to work in office with a hybrid schedule (Tuesday-Thursday in office)
• Strong Analytical Skills displaying the Ability to analyze financial data and assess risk.
• Familiarity with Government Agency Guidelines: Knowledge of FHA, VA, USDA, and other relevant agency requirements.
• Attention to Detail when reviewing and verifying loan documentation
• High level of communication both internally and externally
• Solution-oriented using knowledge and research
• Experience with Automated Underwriting Systems
• Working with Encompass Loan Origination System
• Strong math skills including all calculations related to loan ratios and other financial metrics.
• PC software applications including Word and Excel
• Working with Automated Underwriting Systems
• Working with Encompass Loan Origination System
• Mortgage and home equity loan/line products, services, pricing, tax and regulatory requirements
• Math concepts to support cash flow analysis
• FCRA, ECOA and other federal/state regulations regarding the extension of credit
• Underwrite salable residential mortgage and home equity loans/lines

Even Better:

• Assist with the expansion of the current business plan allowing for the origination and sale of first mortgage loans in the secondary market to multiple investors and the GSEs
• Assist senior staff and management in building a growing residential lending business
• Display sound negotiation skills and good business judgment when working with applicant(s) and outside lien holders to clear underwriting and title issues
• Adhere to and provide input for real estate loan processing procedures
• Provide direction to and/or assist in the development/training of support/processing staff if/when warranted

Join us in shaping the future of mortgage lending by applying your expertise as a Mortgage Underwriter. Your contributions will be vital in helping clients achieve their homeownership dreams while maintaining our commitment to responsible lending practices.

Who They Are:

Sage Home Loans is a digital mortgage lender solution redefining the mortgage origination experience. By building new technology solutions we're creating simple and clean customer experiences to simplify the mortgage application process. Our team has developed a fully digital online application that enables the user to complete their application and start looking for the right mortgage that matches their needs 24/7. We then marry the digital journey with exceptional human interaction from our expert Loan Officers to create the best possible borrower experience.

Red Ventures

Founded in 2000, Red Ventures is a portfolio of growing digital businesses that bring consumers and brands together through integrated e-commerce, strategic partnerships and many proprietary brands including Bankrate, AllConnect.com and Reviews.com. Headquartered south of Charlotte, NC, Red Ventures has over 3000 employees in offices across the US, as well as London and Sao Paulo. For more information, visit and follow @RedVentures on social platforms.

We offer competitive salaries and a comprehensive benefits program for full-time employees, including medical, dental and vision coverage, paid time off, life insurance, disability coverage, employee assistance program, 401(k) plan and a paid parental leave program.

Red Ventures is an equal opportunity employer that does not discriminate against any employee or applicant because of race, creed, color, religion, gender, sexual orientation, gender identity/expression, national origin, disability, age, genetic information, veteran status, marital status, pregnancy or any other basis protected by law. Employment at Red Ventures is based solely on a person's merit and qualifications.

We are committed to providing equal employment opportunities to qualified individuals with disabilities. This includes providing reasonable accommodation where appropriate. Should you require a reasonable accommodation to apply or participate in the job application or interview process, please contact [email protected].

If you are based in California, we encourage you to read this important information for California residents linked.

Job Type: Full-time

Pay: $105,577.00 - $170,935.00 per year

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Flexible spending account
• Health insurance
• Life insurance
• On-site gym
• Paid time off
• Parental leave
• Referral program
• Relocation assistance
• Vision insurance

Schedule:

• 8 hour shift
• Monday to Friday

Work Location: Hybrid remote in Fort Mill, SC 29707

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