Underwriter

Key Responsibilities

• Review and analyze loan applications, credit reports, and financial documents to determine borrower eligibility.
• Assess risk factors associated with mortgage loans, including income verification, debt-to-income ratios, and creditworthiness.
• Ensure compliance with federal and state regulations as well as company policies throughout the underwriting process.
• Collaborate with brokers, Account Managers, Account Executives, and other stakeholders to resolve any issues or discrepancies in documentation.
• Prepare detailed financial reports summarizing findings and recommendations for loan approvals or denials.

Preferred Skills, Knowledge and Expertise

• Active Underwriter designation certificate (DE) required.
• Experience using Encompass required.
• Proven experience in mortgage underwriting or a related field within financial services.
• Strong knowledge of HUD underwriting guidelines.
• Excellent analytical skills with attention to detail to ensure accuracy in assessments.
• Strong communication skills for effective collaboration with team members and clients.
• Ability to work independently while managing multiple tasks in a fast-paced environment.

Benefits

• Medical Insurance
• Dental insurance
• Vision insurance
• Life insurance
• Paid time off
• 401(k) with company match