Mortgage Underwriter

Responsibilities

• Evaluate complex mortgage applications, including credit reports, collateral, tax returns, and supporting documents to make credit decisions within authority levels using automated tools.
• Assess loan viability, identify risks, potential fraud, and communicate decisions or conditions to sales and operations teams.
• Ensure adherence to policies, procedures, and regulatory standards.
• Manage loan pipelines proactively, prioritize files, and meet closing deadlines.
• Collaborate with team members to resolve denials and provide second-level reviews for training.
• Mentor less experienced underwriters and handle audit or post-closing issues.

Qualifications & Skills

• Deep understanding of mortgage regulations, underwriting guidelines, and various product types.
• Excellent communication skills to articulate borrower financial profiles and risks.
• Ability to prioritize, meet deadlines, and work collaboratively.
• Government lending credentials such as FHA and VA endorsements or equivalent experience.