Mortgage Underwritter

Job Description:
We are seeking an experienced Mortgage Underwriter to join our team, specializing in US Residential Mortgage processes. The ideal candidate should have hands-on expertise across the complete mortgage lifecycle, from pre-underwriting to post-closing.

Key Responsibilities:

• Conduct Pre-Underwriting reviews to ensure loan applications meet program eligibility and compliance standards.
• Perform Pre-Purchase quality checks to validate documentation, creditworthiness, and adherence to investor/agency guidelines (Fannie Mae, Freddie Mac, FHA, VA, etc.).
• Evaluate, analyze, and complete Underwriting of residential mortgage loans while ensuring accuracy, compliance, and risk assessment.
• Review Post-Closing documents to confirm proper execution, regulatory compliance, and investor requirements before loan purchase.
• Verify and manage loan forms, disclosures, and supporting documentation for completeness and accuracy.
• Collaborate with processors, loan officers, and closing teams to resolve discrepancies and ensure smooth loan lifecycle.
• Stay updated on US mortgage guidelines, compliance requirements, and industry regulations.

Required Skills & Qualifications:

• 2 to 6 years of experience in US Residential Mortgage Underwriting.
• Strong knowledge of mortgage lifecycle processes Pre-Underwriting, Pre-Purchase, Underwriting, Post-Closing.
• Familiarity with US mortgage documentation, credit analysis, income calculation, and collateral review.
• Experience in handling loan forms and compliance requirements.
• Excellent attention to detail, analytical, and decision-making skills.
• Strong communication skills to work effectively with cross-functional teams.

Preferred:

• Exposure to Encompass, Calyx, or other mortgage loan origination systems (LOS).
• Knowledge of agency guidelines (Fannie Mae, Freddie Mac, FHA, VA).