Processing and Underwriting Associate II - In Office

Primary Position Objective

The primary objective of this position is to perform the loan processing and underwriting activities. Many of these assignments will be related to Rental Relief and Homeowner Relief programs funded under government-sponsored initiatives. The Processing and Underwriting Associate ("Associate") will be responsible for reviewing application packages for various relief programs and determining eligibility.

Major Duties and Responsibilities:

• Review submitted application material against checklist of requirements. Determine reasonableness of information provided.

• Report missing, incomplete, or inaccurate documentation through automated systems.

• Communicate with applicants via email/text/phone regarding additional information needed.

• Examine and review applicant supplied financial information, including tax returns and pay stubs, and perform analysis to assess compliance with income limitations. This may include debt/income ratio calculations and monthly household net cash flow.

• Review business income reported, if any, and calculate annual income based on Schedule C information.

• Analyze past due loan payments and determine allowable payments based upon parameters of program guidelines (i.e. maximum debt to income ratios allowed)

• Review applicant information regarding homeownership status, type of applicant, property type, household size, etc. for compliance with client-defined guidelines.

• Review externally provided reports for specifically defined red-flag factors (i.e., active bankruptcy status).

• Communicate effectively with coworkers on file status and program requirements. May be asked to assist supervisory staff by helping address coworker questions.

• May be asked to assist supervisory staff with training of coworkers.

• Deliver exceptional service to external and internal customers.

• Adhere to established timelines.

• Decision files that are assigned to the Associate.

Minimum Qualifications:

• Associate or bachelor's degree in finance related field; equivalent experience will be considered.

• Prior underwriting or processing experience, or similar experience with housing or government aid programs.

• Proficiency in excel; comfortable with Outlook/Teams and learning new software systems.

• Excellent attention to detail.

• Strong work ethic.

• Strong analytical and communication skills (both verbal and written).

• Ability to be flexible and meet deadlines.

• Bilingual (English and Spanish) a plus.

Supervisory Requirements:

• None

Additional Expectations:

• Provide a professional example, accuracy, and consistency in work performance.

• Respect teammates.

• Participates and is an active team member by assisting others.

• Communicates in a courteous manner.

• Have a solution rather than a complaint to resolve issues promptly.

• Keep management informed of pertinent information.

• Communicate openly and often.

• Maintains the quality and integrity of the services provided by the department.

• Supports the overall goals of the Company and that services are delivered professionally and efficiently.

• Create an atmosphere within the organization that attains and maintains a high level of morale and embraces our Vision-Mission-Values and our Goals and Objectives "VMVGO".

• Embrace change without resistance and adapt quickly, however do provide feedback when necessary.

Physical Requirements

• Talking - Especially where one must frequently convey detailed or important instructions or ideas accurately, loudly, or quickly.

• Hearing - Able to hear average or normal conversations and receive ordinary information.

• Repetitive Motion - Movements frequently and regularly required using the wrists, hands, and/or fingers.

• Vision - Average, ordinary, visual acuity necessary to prepare or inspect documents or products or operate machinery.

• Physical Strength - Sedentary work; sitting most of the time. Exerts up to 10 lbs. of force occasionally.

Pay Details: $25.00 per hour

Benefit offerings available for our associates include medical, dental, vision, life insurance, short-term disability, additional voluntary benefits, EAP program, commuter benefits and a 401K plan. Our benefit offerings provide employees the flexibility to choose the type of coverage that meets their individual needs. In addition, our associates may be eligible for paid leave including Paid Sick Leave or any other paid leave required by Federal, State, or local law, as well as Holiday pay where applicable.

Equal Opportunity Employer/Veterans/Disabled

To read our Candidate Privacy Information Statement, which explains how we will use your information, please navigate to https://www.adeccousa.com/candidate-privacy

The Company will consider qualified applicants with arrest and conviction records subject to federal contractor requirements and/or security clearance requirements.