Junior Underwriter in Rancho Cordova, CA at Liberty Home Equity Solutions, Inc.

Date Posted: 8/10/2019

Job Snapshot

Job Description


The  Jr. Underwriter reviews and assists in the underwriting of reverse mortgage loans in accordance with established policies & procedures and appropriate guidelines.

Job Functions and Responsibilities:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Examples below:

  • Assists in reviewing and analyzing the reverse mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors. (This includes but is not limited to the loan origination package, credit report, title report, appraisal, Power of Attorney, Trusts, & Conservatorships.)

  • Review all required loan data, reports, and inspections to insure the collateral is acceptable to investor, company, and  FHA guidelines.

  • Individual will also be responsible for all related underwriting department duties which also includes examining all loan documentation for accuracy and completeness.

  • Prepares and completes all required paperwork and forms in a timely and accurate manner.

  • Sign off conditions in a timely manner set by management.

  • Elevate loan level issues and problems as needed to Underwriters.

  • May be requested to make recommendations for improving Internal Audit’s policies and practices

  • Manage loans by using all functions of Mortgage Cadence (Tasks, Comments, Case information)

  • Effectively communicate underwriting decisions with processors and advisors

  • Maintain high level of customer service and communication with other departments

  • Other duties as assigned


To perform this job successfully, an individual must have the following education and/or experience:

  • Two to four years mortgage loan processing or Underwriting experience.  Government loan experience preferred.

  • Thorough working knowledge of real estate documentation, policies, compliance, and procedures

  • Commitment to excellence and high standards

  • Excellent written and oral communication skills

  • Strong organizational, problem-solving, and analytical skills

  • Ability to manage priorities and workflow

  • Versatility, flexibility, and a willingness to work within constantly changing priorities with enthusiasm

  • Acute attention to detail

  • Proficient on computer programs required for position

  • Excellent customer service skills

  • Proven ability to handle multiple projects and meet deadlines

  • Strong interpersonal skills

  • Good judgment with the ability to make timely and sound decisions

  • Ability to effectively present information and respond to questions

  • Ability to effectively communicate with people at all levels and from various backgrounds


Company Summary:


Who We Are

Liberty Home Equity Solutions, Inc. (Liberty) is one of the largest and most experienced reverse mortgage lenders in the U.S.  For over fifteen years, we’ve delivered education, home equity solutions, and personal care to over 60,000 senior homeowners and over 1,000 mortgage partners.  Headquartered in Rancho Cordova, CA, Liberty provides reverse mortgage solutions including Home Equity Conversion Mortgages (HECM) and proprietary reverse mortgage loans to retail consumers, wholesale, and correspondent partners.

Our Culture

Liberty was recently named one of the Best Mortgage Companies to Work for by National Mortgage News for 2019.  When you join Liberty, you join a culture which is Vibrant, Inclusive and Cares for you and your community.  Every day, we strive to foster a culture where all our team members are respected, valued and empowered.  Liberty employees are passionate about customer service, committed to teamwork and dedicated to success.  The atmosphere is fast-paced and challenging – and there are plenty of opportunities to grow your career, whether you’re pursuing management, learning multiple disciplines and/or becoming a subject matter expert in your field.  We believe in empowering our employees to explore new ideas, take initiatives for change, and continuously improve our performance. And, as part of the Liberty family, you’ll build long-term relationships in your career here.

Come join the bandwagon!!


Ocwen and its subsidiaries are proud to be equal opportunity workplaces. We are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity or Veteran status. If you have a disability or special need that requires accommodation, please let us know.

Primary Location: US-CA-Rancho Cordova
Work Locations: Rancho Cordova
Job: Mortgage Operations
Organization: US Business Unit
Schedule: Regular
Job Posting: Aug 9, 2019, 9:57:02 PM


  1. Underwriter Jobs
  2. Loan Officer Jobs