Mortgage Underwriter

Position: Underwriters / Sr. Underwriters

Experience: 3+years

Location: Remote

Shift: Night shifts (flexibility required)

Job Summary:

The Conventional Underwriter reviews, conditions and underwrites mortgage loans in accordance with established policies and procedures and appropriate guidelines; examines all documentation for accuracy and completeness.

Job Roles and Responsibilities:

Review and analyze the mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal

and regulatory guidelines to minimize risk factors.

Review all required loan data, reports, and inspections to ensure the collateral is acceptable to investor and the company.

Responsible for making independent decisions regarding acceptance and risk of loans according to HUD, company, and

investor guidelines.

Provides final approval underwriting of mortgage loans.

Completes all required paperwork and forms in a timely and accurate manner; prepares required forms.

Sign off conditions in a timely manner set by management.

Work with staff and management to find solutions on escalated loans.

May be requested to make recommendations for improving Internal Audit's policies and practices.

Manage loans by using all functions of Encompass.

Effectively communicate underwriting decisions with processors and advisors

Maintain a high level of customer service and communication with other departments.

Other duties as assigned.

Qualification & Experience:

Degree or Equivalent.

Minimum 3 years of experience in conventional/govt end to end underwriting.

Well-versed with all 4C's of Underwriting (Asset, Income, Credit and Collateral)