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Forensic Underwriter

Remote

The Oakleaf Group is a mortgage and financial services consulting firm with expertise in risk management and financial modeling for the mortgage and banking industries. Our clients are banks and non-bank mortgage firms, government agencies, law firms, insurance companies, institutional asset managers, and hedge funds.

We differentiate ourselves through our approach to the relationships with our clients. We begin with the belief that each client relationship will be ongoing, spanning multiple projects/engagements. We invest in communication and research to ensure that we fully understand the drivers of every client’s short- and long-term success. We align our goals with those of our clients, and we continuously monitor and adjust to ensure that the relationship stays strong.

This is project-based work with an estimated project duration of 2 months (with possibility of extension).

We have multiple needs for Mortgage Reviewers. Ideal candidates will have experience in residential mortgage loan due diligence and/or frontline underwriting. Essentials for this position are the ability to perform forensic re-underwriting reviews and analysis of credit reports and title documents; the ability to recalculate income and assets according to varying business rules; possessing an extensive knowledge of residential appraisal deficiencies according to USPAP; as well as previous experience in using industry 3rd party tools to identify various forms of misrepresentation. Candidates will be considered who have achieved a high level of expertise in these areas in addition to a level of writing proficiency sufficient to adequately and precisely summarize their analysis and findings for our clients.

Responsibilities:

  • Review previously underwritten loan files to determine compliance with lender credit underwriting guidelines and representations and warranties and to ensure an investment quality loan product.
  • Review re-verified loan documentation and post-closing servicing documentation for evidence of misrepresentation in the original loan submission.
  • Accurately and efficiently maintain a pipeline of loan file audit/review inventory, meet production requirements, and communicate status to management.
  • Compile findings into a summarized report with attending exhibits.
  • May be asked to research and analyze data to assist management in identifying trends and anomalies which can be utilized by the client to achieve their goals.

Qualifications:

  • Bachelor’s degree in related field or equivalent current professional experience.
  • Minimum 6 years of residential mortgage underwriting experience with knowledge of private/investor/Alt-A/ Subprime industry guidelines, Fannie Mae/Freddie Mac guidelines as well as understanding of DU, LP and private label Automated underwriting engines.
  • Strong written and oral communication skills.
  • Analytical ability with an aptitude for figures.
  • Ability to work professionally as part of a team servicing an external client.
  • Ability to work efficiently and effectively under specific time constraints.
  • Proficiency in Salesforce, Excel, and Word a plus, but not an essential.
  • This is a remote position and requires the ability to work in a home office environment with the ability to work effectively surrounded by moderate home environment noise.

Pay Range

$42 - $45 USD

Compensation & Benefits

The Oakleaf Group offers a competitive compensation based on the candidate’s skills and experience. Oakleaf offers healthcare benefits to include health, dental, and vision plans as well as other benefits in accordance with applicable Federal or State law.

 
Equal Employment Opportunity
 
The Oakleaf Group is an equal opportunity employer committed to hiring a diverse workforce and sustaining an inclusive culture. The Oakleaf Group does not discriminate on the basis of race, ethnicity, religion, sex, color, national origin, age, sexual orientation, gender identify or expression, mental or physical disability, genetic information, veteran status or any other basis prohibited by applicable law.
 
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Oakleaf is committed to providing equal employment opportunity to all job seekers. Reasonable accommodations for job seekers with disabilities will be provided. Individuals with a disability that are unable to use our online tools to search and/or apply for jobs should email accomodations@Oakleaf.com, include "Applicant Accommodation" in the subject line of the email, and specify the assistance needed in the body of the email. Please note that this mailbox is reserved for job seekers who need to request an accommodation to apply for a job. Emails, for any other reason, will not receive a response.

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