Job Description

We are seeking a dedicated and experienced Mortgage Underwriter to join our dynamic team. This role offers the flexibility to work from a local office or remotely, allowing you to thrive in a work environment that supports both your personal and professional goals.

As a Mortgage Underwriter, you will be responsible for evaluating borrower financial and credit information, alongside property valuations, to guide lending decisions. You will collaborate closely with our production team throughout the entire process to ensure a seamless loan closing experience.

Key Responsibilities:

Underwrite and evaluate agency conforming, jumbo, FHA, and VA residential mortgage loans.
Verify and analyze financial documentation to ensure completeness, and confirm that loan files contain all necessary credit and legal documents.
Review appraisal reports, identifying and resolving any discrepancies to ensure accurate property valuations.
Perform comprehensive analysis of applicants' income, expenses, asset documentation, credit reports, and property valuations to confirm borrower eligibility.
Calculate qualifying ratios and assess creditworthiness, providing informed risk opinions on loan applications.

Qualifications & Skills:

Experience underwriting VA, FHA, Conventional, and Jumbo loans.
A minimum of 4 years of underwriting experience, with familiarity in FNMA, FHLMC, and Non-Conforming mortgages being a plus.
Proficiency with Desktop Underwriter (DU) and Loan Prospector/Loan Product Advisor (LP/LPA).
Strong understanding of the mortgage lending process, including key calculations (DTI, LTV, etc.).
Skilled in preparing findings reports and handling multiple loan files simultaneously.
Excellent written and verbal communication skills.
Team-oriented with the ability to collaborate effectively.
A passion for professional growth and continuous learning.

Benefits:

Full benefits package, including health insurance and 401(k).
Competitive salary and an upbeat, supportive team environment.

If you're ready to take the next step in your mortgage underwriting career and thrive in a flexible, team-focused atmosphere, we'd love to hear from you!
Employment Type: Full-Time
Salary: $ 65.00 125.00 Per Hour

Job Tags

Hourly pay, Full time, Local area, Flexible hours,

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