Employment Income Specialist

This position is responsible for supporting our Sales, Underwriting, and Operations staff in the calculation of all Self-Employed, Rental, and all types of Variable and Fluctuating Income.  The primary focus is providing a firm income figure to be used for qualifying purposes.

At UHM, we understand diversity comes in many different forms. It’s our commitment to improve inclusion in the workplace through programs and policies that establish a positive and inclusive environment where every Partner, regardless of their background, can grow and excel. We value diversity, educate on equity, and create inclusive partner opportunities to ensure that you know #UBelongAtUHM!

DUTIES & RESPONSIBILITIES

• Maintain the Self-Employed Income Dashboard which includes calculating Income for all self-employed borrowers:  Schedule C, Partnerships, S Corps, Corporations and Rental Income
• Reviewing of P & L and Balance Sheets
• Maintain the Income Dashboard which includes calculating Income for all commissions, bonuses, and any source of variable or fluctuating income.
• Responsible for ensuring the calculation of stable and predictable income.
• Responsible for review, analysis and certification of Self Employed, Rental, Fluctuating and Variable income of all types for all Agencies offered by UHM
• Remain responsible for staying up to date on all Agency guidelines and applying guidelines to income scenarios.
• Maintain a 24 – 48 hour turn time on completion of income analysis.
• Use of IncomeGenius for all Self- Employed Income calculations

EDUCATION & EXPERIENCE

• High School or equivalent
• Minimum of 3 years of experience with FHA, VA, Conventional, USDA Income guidelines
• Have knowledge in calculation of Self-Employment Income
• General understanding of Agency guidelines pertaining to Self – Employed income analysis
• General understanding of Agency guidelines pertaining to Rental Income
• Experience in computing income for FHA, VA, Conventional and USDA.
• General understanding of Agency guidelines pertaining to fluctuating/variable income. 
• Ability to make a final decision on income with a reasonable explanation.
• Must be able to recognize and communicate needed information to determine firm income.
• Ability to work with co-workers assisting and sharing knowledge.

This employer participates in E-Verify. If hired, the employer will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S.

Union Home Mortgage Corp. provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.