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Sr. Credit Risk Oversight (CRO) Underwriter

Location: Irving, TX, United States
Req ID: 012182

Job Description

Description

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Ready to be a Cooper too? This might just be right up your alley!

We’re here to keep the dream of home ownership alive. Oh, and while we’re at it, we’re determined to change the lending industry itself. It’s simple, but it won’t be easy. And we’ll need a great team behind us. (That’s where you come in.) We want to show the world that transparency, candor and collaboration aren’t just good values. They’re good business. Working here isn’t for people who want to punch a clock. It’s for people who want to punch a hole in the status quo. Come join us. And make a difference instead of just a living.

JOB SUMMARY

The Underwriter for Credit Risk Oversight is responsible for underwriting loans that have been selected for audit before closing.  The scope is to identify any “material” issues with the loan and communicate to the line of Business. The purpose is to ensure each file reviewed is of quality in accordance with the internal and external requirements.

Roles & Responsibilities:

  • The CRO Underwriter is responsible for analyzing financial and credit information according to internal underwriting standards, investor guidelines, and federal regulations.
  • Underwrites a wide variety of product and loan types with a higher aggregate credit exposure including underwriting.
  • Compile, analyze, and document loan data and credit risk, borrower and property information.
  • Responsible for providing strong and clear communication of identified issues to operations and executive management.
  • May include training and assistance to the CRO Underwriters to assist with performance improvement and developmental opportunities.
  • Adheres to all applicable internal NPI policies and procedures, and protects the confidentiality of borrower information.
  • May be required to assist in Post Close audit functions when requested.
  • Other duties as assigned.

Core Requirements:         

  • Graduation from a four-year college or university with major course work in a discipline related to the requirements of the position is preferred.  Will consider the equivalent combination of job experience and education that demonstrates the ability to perform the essential functions of this position.
  • At least 2 years of mortgage credit underwriting experience.
  • Analysis skills in the areas of credit, layered risk, and income.
  • Ability to underwrite loans at a national level and in all markets.
  • FHA – Direct Endorsement (DE) designation preferred.
  • VA – Lender Appraisal Processing Program (LAPP) and/or Staff Appraisal Reviewer (SAR) designations preferred.
  • Experience with Desktop Underwriter (DU) or comparable automated underwriting system required
  • Basic computer skills required.  Experience with Microsoft Office a plus.

Mr. Cooper is committed to nurturing a diverse and inclusive environment where every employee is empowered to be their authentic self.  We know that a large part of our success as a business is directly tied to our ongoing efforts to attract and retain diverse talent and maintain an inclusive environment where each employee can thrive.  Embracing and leveraging diversity through an inclusive work environment fosters new ideas, new insights, and constant innovation.  We strive to weave the principles of diversity and inclusion throughout the fabric of how we work, how we interact, and how we engage with our customers and the community.

Job Requisition ID:

012182

Job Category:

Originations

Primary Location City:

Irving

Primary Location Region:

Texas

Primary Location Postal Code:

75063

Primary Location Country:

United States of America

Posting Organization:

Mr. Cooper

Line of Business:

Origination

Additional Posting Location(s):

Alternate Requisition:

No

Summary

Employees matched to this sub unit underwrite loans originated through multiple origination channels and / or product types.
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