Our top-notch lending team is looking for a goal-driven Mortgage Underwriter to assist with making quality decisions on VA, FHA, and conventional loans for clients. Your main responsibilities will include identifying, examining, and balancing transactional, borrower, and property-related risks and offsets to arrive at a loan decision of approval, suspense, counteroffer, or denial. You will also use your analytical skills and extensive knowledge of the loan process to thoroughly inspect credit reports, income documentation, asset documentation, liabilities, property appraisals, and title reports to make sure that loans meet company standards, government regulations, and standards for sale to the secondary market. In addition, you will be considered the subject matter expert of the company and with partners and management on all underwriting-related issues and provide any and all analytical support and counseling advice in their functional areas as needed. To succeed in this position, you must have a strong understanding of the loan process with knowledge of the various types of mortgage documents and investor requirements. You should also be able to effectively prioritize your time on projects and produce an accurate, high-quality work product. If you’re a self-driven, motivated professional looking to achieve a high level of success in the mortgage industry, then this is the opportunity for you. Start your application today! Responsibilities: • Keep up with the latest loan products and origination requirements and make continuous recommendations for improvement opportunities to management based on the current underwriting environment • Assess applications and appropriate disclosures to make sure they are compliant with all of the investor, Federal, and State requirements • Implement specific strategies (e.g. identify the appropriate parties to settle customer issues, etc.) to respond to questions and concerns and rework loans under new terms, and identify additional conditions, when necessary • Analyze loan applications to identify any risk issues and/or potential misrepresentation • Communicate and document reasons for approval or rejection of loans so clients and loan officers are well-informed of decisions Qualifications: • Strong customer service skills while also being able to represent the company brand in a positive way • Preference for candidates with SAR and DE licenses and exceptional knowledge of conventional and/or government loan selling and underwriting guidelines (VA, FHA, Fannie Mae, Freddie Mac, etc.) • Should have the ability to make solid underwriting decisions while meeting internal deadlines and also give quick and correct answers on multiple loan project guidelines • 5 or more years or mortgage experience, including at least 2 years of underwriting experience • Experience with AUS (LP/DU/GUS), Encompass software, and Mortgage Electronic Registration Systems (MERS) • Proficient in Encompass Compensation: $85,000 - $100,000 yearly

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