Job Description

Position Overview:

The Underwriter’s primary responsibilities include reviewing mortgage files submitted to Underwriting. This position requires calculating income, analyzing debt and assets, as well as completing an in-depth review of the completed appraisal and title. Additional responsibilities include entering data into the client’s loan operating system, utilizing an automated underwriting system to determine approval and clearing conditions for Final Approval. Candidates must possess a strong sense of urgency with an ability to work in a team environment, maintaining excellent organizational, communication, and PC skills.

Essential Job Functions:

Perform complete and in-depth review of mortgage loan files including; income, assets, credit and collateral

Utilize client’s loan operating system to ensure accurate data entry

Underwrite loans in accordance with client guidelines; utilizing AUS or manual guidelines

Evaluate and ensure overall loan documents are accurate, complete, and compliant

Ability to identify and/or clear red flag or alerts

Issue loan decision and condition file accordingly

Review and approve conditions for compliance and completion of loan file

Provide excellent customer service to internal and external clients

Maintain current knowledge of client and investor requirements

Resolve pre and post-closing issues as they relate to underwriting

Assist Processors/Loan Officers in understanding underwriting decisions and conditions

Must be able to work in a high stress environment while delivering a high-level of customer service

Ability to work more than 40 hours, on an as needed basis