We are a proud member of the Lennar family of companies, falling under the Lennar Financial Services (LFS) umbrella.  Together with our homebuilding partner, Lennar, we are creating the world’s simplest path to homeownership. It’s a lofty goal, but we work towards it every day with every action we take. Guiding our customers with compassion and care, investing in technology for efficient applications or streamlining the connection between builder and lender – it all comes back to our shared mission.  Lennar is one of the nation's leading homebuilders, dedicated to creating exceptional homes and communities that cater to the evolving needs of our customers. With a focus on quality construction, outstanding customer service, and an innovative approach to design, Lennar has been recognized as a Fortune 150 company and consistently ranked among the top homebuilders in the United States.  

Position Overview:  

The Underwriter plays a critical role in evaluating and processing loan applications, assessing the creditworthiness of borrowers and ensuring compliance with lending guidelines based on their certification. Utilizing financial analysis and risk assessment, the Underwriter will make informed decisions to maintain a high-quality mortgage portfolio and facilitate responsible lending practices. 

Key Responsibilities:  

1. Risk Analysis and Compliance: Conduct risk analysis and review loans for compliance with agency and investor guidelines. 

2. Decision Rendering and Timely Processing: Render decisions within the department's service level agreement (SLA). Meet productivity and quality standards, averaging 6 decisions per month for new loans and resubmissions. 

3. Automated Underwriting Systems Utilization: Utilize automated underwriting systems (Encompass, LPA, Desktop Underwriter) to assess risk, salability, and reduced documentation for borrowers. Ensure accurate data input and support automated decision-making. 

4. Leverages Expertise to Advise Others: Apply manual underwriting requirements in decision-making for loans without automated approval. Provide expertise and coaching to processing and production staff on training issues and automated underwriting systems. Keep management informed of specific ongoing issues that require immediate attention. 

5. Clear and Concise Communication: Clearly and concisely condition loans appropriately when rendering decisions. 

Requirements:  

• Highschool Diploma or Equivalent  

• Minimum of 2 years of front line conventional underwriting experience using Fannie Mae DU, Freddie Mac LP, manual underwriting experience preferred 

• 2+ years of experience in mortgage software 

• Proficient in using standard office software (e.g., Microsoft Office Suite) 

• Purchase transaction, specifically new construction experience preferred  

• Self-starter and able to work independently 

• Exceptional organizational abilities, keen attention to detail, and the ability to manage multiple priorities 

• A genuine passion for delivering exceptional experiences to customers