Job Description

As a Proficiency / Floater Underwriter working for Taylor Morrison you will be Responsible for the thorough review of in-house loans and pre-submission reviews of externally underwritten loans ensuring that all loans are underwritten according to agency and investor guidelines. Promotes excellent customer service and related activities, and works with Management, Loan Consultants, Client Coordinators and Closers.

What You'll Do

  • Assumes all responsibility for loan files submitted for 2nd level review as test case review for new and upskilling experienced Underwriters to ensure following policies and procedures and that quality of underwriting is sufficient to be able to sell all loans on the Secondary Market.  Supports solutions and training on deficiencies discovered by pre and post review by QC, Aggregators and Government Insuring, including the full file audit reviews completed by VA and FHA
  • As a Proficiency / Floater Underwriter, you will provide coverage for team members who are on PTO, wellness time and/or short term absence also assisting with overflow. In addition, during high volume initial submissions, you may potentially underwrite loan files which will be re-assigned to a Production Underwriter for clearing conditions and final approval.  The Proficiency / Floater Underwriter is responsible to manage the co-worker’s pipeline, which may include review of loans which have been resubmitted and prepare for final approval. The Proficiency / Floater Underwriter should be highly skilled in all automated underwriting systems, Desktop Originator, Loan Prospector and each investor's automated systems. The Proficiency / Floater Underwriter is expected to have a comprehensive knowledge of underwriting and qualifying guidelines of all FNMA & FHLMC, Non-Agency, FHA, VA & USDA loans.
  • Responsible for providing quality and consistent underwriting of mortgage loans, focusing on all loans, to ensure compliance with appropriate company standards
  • Assesses the potential risk of loan applicants, including current and past credit and job history, ensures that all mortgage applications are complete, accurate, and fall within acceptable guidelines
  • Provides high quality customer service, including review underwriting in a competitive time frame.
  • Perform other duties as assigned

Sound Like You?

You might be just who we're looking for if you have.

  • Minimum 5 years of experience in the mortgage/financial industry.
  • Preferably 3 years' experience in training, loan file review and management of all training with underwriting department.
  • 3 years' experience underwriting VA / FHA loans with full working knowledge of all guidelines.
  • 3 years' experience government manual underwriting
  • 5 years of full practical knowledge with Fannie Mae and Freddie Mac guidelines
  • 5 years front line production underwriting
  • 5 years Automated Underwriting Software: {DU/LP}
  • Full working knowledge of appraisals requirements
  • Must fully understand complex loans transactions, and be highly proficient in reviewing and analyzing all levels of individual and business income tax returns.
  • Proficient in communicating to individuals areas that required additional training, areas of weakness and strengths.

FLSA Status: Non-Exempt

This position is considered a non-exempt position for purposes of wage-hour law, which means that you will be required to keep a time record and will be eligible for overtime pay.

Essential Functions:

Successful job applicants will be able to perform these functions. Reasonable accommodations will be made to enable individuals with disabilities to perform the essential functions.

  • Remote opportunities available
  • Report to Division/Corporate Office/Community daily and adhere to schedule
  • Ability to access, input, and retrieve information from a computer and/or electronic device
  • Ability to have face to face conversations with customers, co-workers and higher level manager
  • Ability to sit or stand for long periods of time and move around work environment as needed
  • Ability to operate a motor vehicle if applicable
  • Comply with company policies and procedure

Physical Demands:

  • Must be able to able to remain in a stationary position up to 50% of the time
  • The ability to frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds

*Taylor Morrison experience and/or successful completion of training program may override required education and/or experience requirement.

Job descriptions are not intended as, nor should be construed to be, exhaustive lists of all responsibilities, skills, efforts, or working conditions associated with a job. They are intended to be accurate reflections of those principal job duties and responsibilities essential for making fair pay decisions about the job.

Taylor Morrison is an equal opportunity employer. Taylor Morrison does not discriminate against any candidate or employee on the basis of race, national origin, sex, marital status, sexual orientation, age, disability, religion or veteran status.

Must reside in one of the following states: AZ, CO, FL, GA, KY, NV, NJ, NC, OR, PA, SC, TN, TX, WA, WV

Application Instructions

Please click on the link below to apply for this position. A new window will open and direct you to apply at our corporate careers page. We look forward to hearing from you!

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