Live Underwriter

5-10 Years

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Job Description

Ability to evaluate complex mortgage loan applications and make sound decisions based on multiple financial factors.
Ensures accuracy, completeness, and compliance in documentation and underwriting processes.
Deep understanding of federal, state, and company lending guidelines and the ability to apply them effectively.
Skilled in identifying potential fraud, red flags, and risk factors to protect the organization.
Proficient in assessing credit history, income, assets, and collateral (4Cs) for borrower evaluation.
Works closely with processors, advisors, and management to optimize processes and resolve issues.
Continuously looks for opportunities to improve workflow, tools, and overall efficiency.
Comfortable using underwriting platforms like Encompass and other related tools.
Able to explain underwriting decisions clearly and professionally to both internal and external stakeholders.
Prioritize tasks efficiently to ensure timely completion of underwriting reviews while meeting high standards.