Job Description

We are excited to welcome a new member to our dynamic team! As a fast-growing national lender, we are looking for a dedicated Mortgage Loan Underwriter to evaluate borrower financial and credit information in conjunction with property valuations. Your expertise will help inform our lending decisions while working collaboratively with our production team to ensure a smooth loan closing process.

Work Arrangement:
You have the flexibility to work from a local office or choose a remote opportunity.

Key Responsibilities:

- Underwrite and make decisions on agency conforming, Jumbo, FHA, and VA residential mortgage loans.
- Verify and analyze all necessary financial information and documentation, ensuring that loan files contain all required credit and legal documents.
- Review appraisal reports to identify and resolve any discrepancies.
- Conduct thorough analyses of applicants' income, expense data, asset documentation, credit reports, and property valuations to confirm borrower eligibility for loans.
- Calculate qualifying ratios and determine creditworthiness while providing thoughtful risk assessments.

Qualifications and Requirements:

- Proficiency in underwriting VA, FHA, Conventional, and Jumbo loans.
- A minimum of 4 years of underwriting experience.
- Experience with FNMA, FHLMC, and Non-Conforming mortgages is a plus.
- Familiarity with Desktop Underwriter (DU) and Loan Prospector/Loan Product Advisor (LP/LPA).
- Comprehensive understanding of the mortgage lending process.
- Ability to perform necessary loan calculations (DTI, LTV, etc.).
- Skill in preparing findings reports.
- Capable of managing multiple files simultaneously.
- Strong written and verbal communication skills.
- Ability to thrive in a team environment.
- A proactive mindset with a desire to grow and adapt.

Benefits:

We offer a comprehensive benefits package, including health insurance and a 401(k), competitive salaries, and an upbeat team environment.

If you're interested in exploring new opportunities, be sure to follow us on LinkedIn for updates on job postings and similar positions!
Employment Type: Full-Time
Salary: $ 40,000.00 140,000.00 Per Year

Job Tags

Full time, Local area,

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