About the Company

MiMutual Mortgage (noun) [my-mutual mortgage]: a national mortgage lender operating by the philosophy of great people, building a great company and serving our communities.

We’re committed to providing an exceptional and enriching work environment and job opportunities across the country. We take the mortgage process seriously while fostering a corporate culture that offers team members a positive, rewarding environment. In addition, we provide competitive salaries and benefits that make working for our company worthwhile. And, we have some fun while we’re at it.

MiMutual Mortgage is an agency-direct seller/servicers/issuer. We offer a comprehensive range of Conventional and Government products, competitive pricing and are licensed to do business in 41 states. We provide advanced technology, from our loan operating systems (MeridianLink) to our CRM (Insellerate). Everything is housed on cloud-based servers, which means you have access to all MiMutual systems via desktop, tablet and mobile. You can accomplish everything you need to whether you’re in the office, at home, or on the road!

With Mi Mutual, you’re more than just a number. Your talents matter. Your values matter. Your passions and your strengths matter. YOU matter.

Team Member Benefits

• Nationwide recognized networks for medical, dental and vision
• 401k with company match
• Flexible Spending Account (FSA), Health Savings Account (HAS), and Dependent Care options
• Aflac
• Life Insurance

Job Summary

The Wholesale Junior Underwriter is an intermediate-level role within the Operations Department. The Wholesale Junior Underwriter is the gatekeeper of the loan from initial approval status until clear to close (CTC) status. The primary goal of this role is to organize, review and sort documents as they are uploaded, in addition to making any changes as requested by our sales partners (i.e., Brokers, Processors and Account Executives) to the loan with the ability to convey all updates thoroughly. This position also ensures all loans meet the required compliance rules and provides resolution to our customers.

Summary of Role and Responsibilities

• Initial review of disclosures in all loans
• Review of all documents uploaded to loans for Underwriter and Junior Underwriter review – please elaborate to include what documents they’re reviewing and possibly the timeline
• Review of all loans for initial closing disclosure (CD)
• Review qualified mortgage (QM) points and fees for all loans
• Review loan change requests such as…

Preferred Experience

• 3+ years of previous mortgage experience
• Working knowledge of TRID and its requirements
• Knowledge of federal and state disclosure requirements
• Understanding of qualified mortgage rules.
• Ability to conduct changes of circumstance
• Working knowledge of loan processing for a variety of loan types (e.g., Conventional, FHA, VA, USDA and Jumbo)
• General knowledge of consumer lending and industry regulations
• Working knowledge of Microsoft Office Products(Excel, Word, Outlook)

Preferred Knowledge, Skills & Abilities

• High school diploma or equivalent
• Advanced oral and written communication skills and ability to work in a collaborative team environment
• Ability to resolve problems quickly yet efficiently
• Demonstrated ability to prioritize, multitask, meet deadlines, and adapt to changing priorities with strong organizational skills
• Proven success working in fast-paced environments with precise attention to detail
• Contribute to a team environment.
• Demonstrated strong customer service skills

Want to learn more?

Visit our website here: https://mimutual.com/