Job Description
We are seeking a diligent and motivated Mortgage Underwriter to join our team. If you have a passion for delivering superior customer service and possess excellent communication skills, this is the perfect opportunity for you. The ideal candidate will have a keen eye for detail and be responsible for validating income, asset, and collateral documents, including self-employed tax returns and condominium documents. As a Mortgage Underwriter, you may work across various mortgage lending types, including Conventional, Non-QM, FHA, VA, USDA, and more.
Key Responsibilities:
Review and analyze individual residential mortgage loan requests to determine approval or denial.
Examine financial statements, credit reports, ratios (such as debt-to-income and loan-to-value), appraisals, title reports, and other supporting documentation.
Validate income, employment, and asset information, as well as evaluate the value of a borrower's collateral.
Ensure files qualify for Fannie Mae, Freddie Mac, FHA, VA, and USDA guidelines based on automated findings.
Review and evaluate loan documents to determine if they meet established investor standards.
Confirm 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 effectively to internal lenders, coordinators, and processors.
Document the reasons for approval or denial of loans in the loan file.
Work remotely, with potential office visits as needed based on business requirements (advance notice will be given).
Perform other duties as assigned.
Minimum Qualifications:
Bachelor's degree or an equivalent combination of education and experience.
5+ years of recent experience in retail residential mortgage underwriting, with a strong understanding of FHA, VA, USDA, and Conventional guidelines.
In-depth knowledge of USDA guidelines.
DE, SAR, and LAPP certifications are a plus.
Strong understanding of ATR/QM requirements.
Experience with Encompass LOS.
Ability to thrive in a fast-paced environment while meeting minimum production standards.
High integrity and a strong work ethic.
Proficient in Microsoft Word, Excel, and Outlook.
Knowledge of compliance and disclosure requirements.
Familiarity with closing, post-closing, and quality control responsibilities.
Preference for candidates located in the EST time zone.
Who We Are:
For over 25 years, we have been dedicated to supporting our communities and helping our partners thrive. As a full-service mortgage lender, we specialize in providing tailored mortgage products to meet the needs of our clients. Our team is made up of seasoned professionals who understand the ever-evolving mortgage industry and are committed to offering ethical, transparent, and personalized advice. We pride ourselves on creating a culture of integrity and excellence, delivering the best customer service possible, and adapting to industry changes to provide our clients with the best financing options available.
Employment Type: Full-Time
Salary: $ 15.00 20.00 Per Hour
Job Tags
Hourly pay, Full time, Remote job,