• 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
• Providing input on new and/or existing Underwriting processes, procedures and/or approaches
• Independently conducting full and comprehensive evaluations of a variety of complex Mortgage-Loan Applications
• Applying specialized knowledge in the interpretation of applicable internal and regulatory Underwriting guidelines
• Assessing all variables and determining conditions for loan approvals or denials
• Making final Underwriting decisions
• Identifying and recommending alternative financing solutions
• Exercising authority to make Underwriting exceptions, deviations and adjustments (as appropriate)
• Educating Brokers and Bankers regarding a variety of Countrywide products, programs and loan/pricing alternatives
• Providing Underwriting guidance and expertise to less-experienced personnel
• Interpreting and adapting departmental protocol and determining optimal courses-of-action based on consideration of various alternatives
• Exercising discretion and independent judgment on matters that have a significant financial impact

A Successful Candidate Will Have:

• High school diploma, GED or equivalent
• 3+ years of Underwriting experience
• Multiple Underwriting designations-including Government designations
• Subject-matter expertise in an Underwriting specialization and partial expertise in a second Underwriting-specialization
• Extensive understanding of Countrywide’s Processing, Underwriting and Closing procedures
• Extensive understanding of Underwriting systems and their interdependencies
• Extensive knowledge of a variety of loan products and program guidelines
• Advanced computer-skills
• Advanced customer-interface skills
• Strong 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.

	Profile
Â	Job Field	Â	Mortgage Processing	Â
Â	Locations	Â	Massachusetts-Taunton	Â
Â	Â	Â	MA-93280-Taunton	Â
Â	Â	Â	MA 350 Myles Standish	Â
Â	Schedule	Â	Full-time

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