Underwriter

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:Document reasons for approval or rejection of loans and communicate those reasons with clients and loan officers so they are well-informed of those decisionsExecute specific strategies (e.g., identify who the appropriate individuals are to assist in resolving customer issues, etc.) and to answer questions and concerts and rework loans to new terms, and determine any additional concerns, as necessaryDetermine if there are any risk and/or possible misrepresentation during the loan application review processConfirm and clear conditions on loans by making sure that all the necessary information is gathered, and it is correct, classified correctly, organized, compliant, and congruent with company policiesReview all mortgage items and conditions provided by borrowers to ensure all necessary information is included for approval and meet required guidelines utilizing internal and external (e.g. agency) policies and procedures (e.g. automated underwriting systems like Desktop Underwriter(DU))Qualifications:Experience with AUS (LP/DU/GUS), Encompass software, and Mortgage Electronic Registration Systems (MERS)Applicants with an NMLS license preferred but will accept candidates willing to be licensed within 90 days of hireMust be able to make quality underwriting decisions with maintaining company turn-time expectations and provide quick and accurate answers on multiple loan project guidelinesPreference 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.)At least 5 years of mortgage experience and 2 years of underwriting experienceAbout Company:Our mission is simple: serve with honesty, integrity, and competence.What sets us apart?Small enough to move fast.Experienced enough to get things right the first time.Supportive enough that you're never alone on an island.Established relationships with decision-makers — you get answers quickly.We offer a workplace where your expertise is respected, your work matters, and your ideas help shape how we operate.