Mortgage Underwriter

Position: Underwriters / Sr. Underwriters Experience: 3+years Location: Remote Shift: Night shifts (flexibility required) Job Summary: The Conventional Underwriter reviews, conditions and underwrites mortgage loans in accordance with established policies and procedures and appropriate guidelines; examines all documentation for accuracy and completeness. Job Roles and Responsibilities: - Review and analyze the mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors. - Review all required loan data, reports, and inspections to ensure the collateral is acceptable to investor and the company. - Responsible for making independent decisions regarding acceptance and risk of loans according to HUD, company, and investor guidelines. - Provides final approval underwriting of mortgage loans. - Completes all required paperwork and forms in a timely and accurate manner; prepares required forms. - Sign off conditions in a timely manner set by management. - Work with staff and management to find solutions on escalated loans. - May be requested to make recommendations for improving Internal Audit’s policies and practices. - Manage loans by using all functions of Encompass. - Effectively communicate underwriting decisions with processors and advisors - Maintain a high level of customer service and communication with other departments. - Other duties as assigned. Qualification & Experience: - Degree or Equivalent. - Minimum 3 years of experience in conventional/govt end to end underwriting. - Well-versed with all 4C’s of Underwriting (Asset, Income, Credit and Collateral)