Mortgage Loan Underwriter

The Mortgage Loan Underwriter role is responsible for conducting a thorough analysis of mortgage loan files to determine compliance with agency, company, and investor guidelines. The role involves reviewing resubmitted files and documents, making independent and compliant loan decisions, and maintaining company service level and turn-time standards. The position requires a minimum of 5+ years of recent residential mortgage underwriting experience and the ability to manage a large pipeline and effectively handle pressure and tight deadlines.

Requirements

• Minimum of 5+ years of recent residential mortgage underwriting experience
• 6+ years mortgage industry experience
• Ability to Underwrite mortgage loan files for agency compliance and investor guidelines
• Experience reviewing and evaluating borrower profiles, including income documentation, personal and business tax returns, credit reports, preliminary title reports, and appraisals
• Ability to manage a large pipeline and effectively handle pressure and tight deadlines
• Strong analytical decision-making, problem-solving, prioritization of workload
• Ability to succeed in a fast-paced, high-stakes environment and maintain a high level of quality and production standards
• Strong verbal and written communication skills and able to develop and maintain professional relationships with peers and management
• Certifications highly preferred (FHA-CHUMS; VA-LAPP/SAR)
• Experience underwriting Jumbo loans preferred
• Experience with recent manual underwriting
• Experience in a medium to large size nonbank lender preferred
• Encompass experience preferred

Benefits

• Competitive base pay
• Incentive compensation
• Equity awards