Job Description
We're looking for a diligent and motivated Mortgage Underwriter to join our dynamic team. If you're someone who thrives in a fast-paced environment, has exceptional phone and communication skills, and enjoys delivering top-notch service, we want to hear from you! As an Underwriter, you'll play a key role in reviewing and validating important financial documents such as income, assets, and collateral—including self-employed tax returns and condominium documents.
Key Responsibilities:
Review and analyze residential mortgage loan requests to determine approval or denial.
Assess financial statements, credit reports, debt ratios, loan-to-value, appraisals, title reports, and other key documentation.
Review loan documents to ensure they meet investor standards and regulatory requirements.
Ensure that property specifications and loan terms align with financial institution requirements and government regulations.
Maintain compliance with industry standards, state and federal laws, and disclosure requirements.
Communicate loan decisions clearly with internal lenders, coordinators, and processors.
Document reasons for loan approval or denial in the loan file.
Work remotely, with potential office visits based on business needs (advance notice will be provided).
Perform other duties as assigned.
Minimum Qualifications:
Bachelor's degree or equivalent combination of education and experience.
5+ years of experience in retail residential mortgage underwriting (including FHA, VA, USDA, and Conventional loans).
Strong knowledge of USDA guidelines.
DE, SAR, and LAPP certifications are a plus.
In-depth understanding of ATR/QM requirements.
Experience with Encompass LOS.
Ability to work efficiently in a fast-paced, ever-changing environment while meeting production standards.
Strong integrity, work ethic, and a commitment to excellence.
Proficiency in Microsoft Word, Excel, and Outlook.
Knowledge of compliance, disclosure requirements, and post-closing responsibilities.
Preference for applicants residing in the EST time zone and available to work during EST business hours.
We're proud of our team and the work we do to serve our communities, partners, and clients. For more than 25 years, we've been committed to providing exceptional customer service and delivering personalized mortgage solutions. Our deep industry knowledge allows us to stay ahead of changes and offer the best options for our clients. If you're ready to bring your expertise to a team that values integrity, transparency, and a passion for helping others, we encourage you to apply.
Employment Type: Full-Time
Salary: $ 100,000.00 150,000.00 Per Year
Job Tags
Full time, Self employment,