The Underwriter evaluates and determines the eligibility of loan applications which includes analyzing and verifying documentation within the application, evaluating risk, and making loan eligibility decisions.
A successful Underwriter should be able to exercise sound judgement based on detailed analysis and ensure that all documentation is in compliance with relevant regulations/guidelines.
The Underwriter reports to the Underwriting Manager. The Underwriter will work closely with loan processors and/or loan originator in providing guidance on what documents a necessary to complete the loan review.

Primary Responsibilities
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—Review and verify loan application and supporting documents to investor/agency guidelines.
—Make credit decisions (approved, suspended or denied), clear conditions, review, and complete change requests.
—Analyzing risk and requesting additional information, as necessary Review and calculate income.
—Review appraisals to ensure investor / agency acceptability. Maintain knowledge of underwriting guidelines and loan programs. Complete assigned loan reviews within required timeframe.
—Complete computer data entry as needed in Loan operating system. Complete Underwriting Certifications, as necessary.
—Documenting and effectively communicating reasons for approval, suspense and/or denied loans.
—Perform other related duties and assignments as required.
—Incumbent will be responsible for meeting RoundPoint’s commitment to quality.

Qualifications
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Required:
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—High School diploma or equivalent required.
—Minimum of four years’ recent experience underwriting new originations.
—Strong interpretive reasoning and problem-solving ability and excellent analytical skills.
—Excellent interpersonal, oral, and written communication skills.
—Excellent organizational skills.
—Self-disciplined, self-motivated, and self-reliant.
—Proficiency in Microsoft Office and the ability to learn and work with various Mortgage applications and software.
—Ability to relate and communicate in a professional manner with all levels of management as well as internal and external contacts.
—Ability to prioritize and perform constantly changing multiple tasks in a very fast paced environment.

Desired:
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—College degree preferred.
—FHA certification preferred.
—Experience with Encompass preferred.

About RoundPoint Mortgage Servicing LLC
RoundPoint Mortgage Servicing LLC is a fully integrated, non-bank mortgage company, with a subservicing portfolio of approximately 850,000 loans. In 2023, RoundPoint was acquired by Two Harbors Investment Corp. (NYSE: TWO), reaffirming its commitment to MSR as core and essential to our business strategy and our future. A combined Two Harbors and RoundPoint capitalizes on the strengths of both companies, adding significant value for stakeholders through operational and cost efficiencies, as well as the ability to participate more fully in the mortgage finance space as opportunities arise.
Founded in 2009, Two Harbors has grown into a leading publicly traded residential mortgage real estate investment trust (mortgage REIT). We leverage our core competencies of understanding and managing interest rate and prepayment risk to invest in our Agency residential mortgage-backed securities (RMBS) and mortgage servicing rights (MSR) portfolio, with the objective of delivering attractive risk-adjusted returns to our stockholders.

Location
—Fort mill, SC
—Coppell, TX
—St. Louis Park, MN
Employee Status
—Regular
Travel
—No
Telecommuter Position
—No