Senior Mortgage Underwriter DE/SARS/LLAP

Company DescriptionObsidian Financial Services is a HUD-approved Equal Opportunity Housing Lender, dedicated to delivering competitive mortgage rates while maintaining high levels of customer service and satisfaction. With extensive industry experience and pooled buying power, we provide access to some of the market's most competitive mortgage programs. By combining innovative financing options with tailored solutions, we strive to meet the unique needs of every client. Our goal is to distinguish ourselves as an industry leader through exceptional service and commitment to excellence.Role DescriptionThis is a full-time, on-site Senior Mortgage Underwriter role located in Melbourne, FL. The Senior Mortgage Underwriter will be responsible for evaluating and underwriting residential mortgage loan applications, ensuring compliance with company policies, lending standards, and regulatory requirements. Daily tasks include reviewing credit reports, appraisals, income documents, and other supporting materials to assess borrower eligibility. The role requires making sound decisions on loan approvals while minimizing risk and collaborating closely with loan originators and processors to address and resolve any underwriting issues.QualificationsExtensive experience in Mortgage Underwriting and a strong foundation in Underwriting guidelinesSolid understanding of the Mortgage Industry, including regulations, policies, and proceduresProficiency in reviewing and analyzing documents related to Mortgages and financial statementsStrong Analytical Skills and attention to detail for assessing risk and making accurate decisionsFHA DE (Direct Endorsement), SAR (Staff Appraisal Reviewer), or LAPP (Loan Analysis Processing Program) certifications preferredExceptional communication and organizational skillsAbility to work in a fast-paced environment with strong problem-solving capabilitiesAssociates in finance, accounting, or a related field is preferred but not requiredSkillsStrong negotiation skills combined with excellent financial acumen for assessing loan terms and borrower profiles.Proficiency in financial software tools used for data collection, analysis, and reporting within the mortgage industry.Expertise in underwriting principles, credit analysis, risk management, and quantitative research methodologies.Solid understanding of banking operations, financial concepts such as cash flow analysis, forecasting, and technical accounting standards.Ability to perform comprehensive financial analysis including tax review, portfolio management insights, and quantitative analysis techniques.Knowledge of mortgage servicing practices along with experience in loan processing and origination workflows.Exceptional math skills necessary for complex calculations related to financial modeling and risk assessment. Join us if you’re ready to bring your analytical prowess and passion for responsible lending into a role that challenges you every day! We value proactive problem solvers who thrive in fast-paced environments and are eager to contribute their expertise toward building a secure and thriving mortgage portfolio.DE/SARS/LLAP PreferredBenefits:Paid time offLicense/Certification:DE (Preferred)SARS/LLAP (Preferred)Work Location: In person