Underwriter III ( DE/LAPP certified)

Countrywide®, America’s Wholesale Lender® is putting more people in homes through leading-edge technology, innovative solutions and the strength of our dedicated team. We provide the home loan solutions that help empower the success of our broker Business Partners. Experience the unique ideas, competitive rewards and genuine pride of being a part of a leader in today’s wholesale lending industry, with Countrywide®, America’s Wholesale Lender®, a division of Countrywide Bank, FSB.Underwriter III-Government Underwriter Primary Responsibilities Include:·  Reviewing, examining and underwriting loans to ensure soundness, business value and compliance with Countrywide and investor standards·  Assessing loan attributes and documentation for soundness and accuracy·  Reviewing, evaluating and synthesizing data to ascertain loan viability and identify risk issues and potential fraud·  Evaluating debt ratio, loan-to-value ratios, credit score, property valuation and various other factors·  Determining and documenting loan conditions and communicating requirements and/or decisions·  Assisting in identifying, recommending and/or negotiating alternative loan requirements, funding and/or loan-structuring solutions·  Providing input on new and/or existing Underwriting processes, procedures and/or approaches·  Independently isolating, defining and determining course-of-action on complex and financially sensitive Underwriting issues·  Assisting others in researching and interpreting complex data to determine meaning and course-of-action·  Providing input to and/or participating in the development of Countrywide’s Underwriting processes and/or services·  Assisting in the development of Underwriting personnel·  Providing insight, direction and expertise to less experienced team-members·  Independently making decisions and leading projects·  Conceptualizing and planning courses-of-action based on consideration of all variables, options and alternatives·  Building and managing extensive networks of business, Broker and internal relationships   A Successful Candidate Will Have:·  8+ years of Underwriting experience·  Full Conventional- and Government-Underwriting designations·  Understanding of legal, regulatory, economic, competitive and technological environments which potentially affect Real-Estate Lending programs·  Expertise in multiple Underwriting specializations·  Expert understanding of Countrywide’s Processing, Underwriting and Closing procedures·  Expert understanding of Underwriting systems and their interdependencies·  Advanced computer-skills·  Excellent analytical, interpersonal and verbal/written communication skills   The Ideal Candidate May Also Possess:·  Bachelor’s (or equivalent) degree and/or equivalent experience   Countrywide is committed to leveraging the talent of a diverse workforce to create great opportunities for our business and our people. EOE. M/F/D/V.