Job Description
Are you ready to join a dynamic and rapidly growing team? We're looking for a skilled Mortgage Loan Underwriter to become an integral part of our supportive and collaborative environment. In this role, you'll leverage established underwriting guidelines to evaluate borrower financial and credit information alongside property valuations, helping to make informed lending decisions. You'll work closely with our production team to ensure a smooth loan process from start to finish.
Work Environment:
Enjoy the flexibility of working from a local office or choose the convenience of a remote opportunity.
Key Responsibilities:
- Underwrite and make decisions on agency conforming, jumbo, FHA/VA residential mortgage loans.
- Verify and analyze financial information and documentation, ensuring loan files are complete with all necessary credit and legal documents.
- Review appraisal reports to identify and resolve any discrepancies.
- Conduct a thorough analysis of income and expense data, asset documentation, credit reports, and property valuations to confirm loan eligibility.
- Calculate qualifying ratios, assess creditworthiness, and provide risk assessments.
Qualifications:
- Proven experience underwriting VA, FHA, Conventional, and Jumbo loans.
- 4+ years of underwriting experience.
- Familiarity with FNMA, FHLMC, and Non-Conforming mortgages is a plus.
- Knowledge of Desktop Underwriter (DU) and Loan Prospector/Loan Product Advisor (LP/LPA).
- Strong understanding of the mortgage lending process.
- Proficiency in performing loan calculations (DTI, LTV, etc.) and preparing findings reports.
- Ability to manage multiple files simultaneously.
- Excellent written and verbal communication skills.
- Team-oriented with a proactive approach to problem-solving and growth.
Benefits:
- Comprehensive benefits package including health insurance and 401(k).
- Competitive salary.
- Positive and energetic team environment.
Employment Type: Full-Time
Salary: $ 40,000.00 140,000.00 Per Year
Job Tags
Full time, Local area,