Mortgage Underwriter

Position Overview

The Mortgage Underwriter is responsible for evaluating residential mortgage loan applications, ensuring compliance with agency and investor guidelines, and making sound credit decisions. The ideal candidate has strong analytical skills, deep knowledge of underwriting guidelines, and the ability to work efficiently in a fast-paced environment.

Key Responsibilities

• Review and analyze mortgage loan applications, including income, assets, credit, and collateral
• Underwrite loans in accordance with agency guidelines
• Ensure compliance with federal, state, and investor requirements
• Issue initial approvals, conditions, and final underwriting decisions
• Communicate underwriting decisions and conditions clearly to processors and loan officers
• Review appraisals and identify potential valuation risks
• Maintain high levels of accuracy, quality, and turnaround times
• Stay updated on guideline changes and industry regulations
• Work closely with processing, closing, and funding teams

Qualifications

• Minimum 1 year of mortgage underwriting experience
• Strong knowledge of loan guidelines including QM and Non-QM loan
• Ability to calculate income (self-employed, complex income preferred)
• Strong attention to detail and risk assessment skills
• Excellent communication skills (written and verbal)
• Ability to work independently and meet deadlines

Why Join Us

• Fast-growing lending platform with strong deal flow
• Opportunity to help build underwriting operations from the ground up
• Flexible work environment
• Long-term career growth potential

Job Type: Full-time

Pay: $60,000.00 - $140,000.00 per year

Benefits:

• Dental insurance
• Flexible schedule
• Health insurance
• Paid time off

Work Location: In person