Underwriting Specialist

Job SummaryMortgage Underwriter Role:We are seeking an experienced Mortgage Underwriter to join our team.The successful candidate will have a strong understanding of mortgage underwriting principles and practices, with the ability to analyze complex financial data and make sound lending decisions.About the JobThis is a challenging and rewarding role that requires strong analytical and communication skills.You will be responsible for reviewing loan applications, evaluating creditworthiness, and making recommendations on loan approval or denial.Key ResponsibilitiesAnalyzing income and employment, credit strength, capacity to repay, property appraisal, title report; calculating and analyzing LTV/CLTV/HCLTV/DTI/HTI, checking all other information relevant to the credit decision process on each mortgage application.Calculating all types of income (Wage earner/self-employment/Other income etc.).Audit the file from a closing & compliance standpoint on daily basis and note any exceptions.RequirementsTo succeed in this role, you will need:3+ years of live Mortgage Underwriting experienceAbility to obtain and decipher AUS findings (DU and LP)Experience in full origination mortgage processing, loan set up, loan documentation, closing, title, quality assurance, compliance, underwriting, or assisting with conventional first mortgage loan productsGood verbal and written communication skillsBenefitsWe offer a competitive salary package, including a base salary and potential bonus opportunities.In addition, we provide a comprehensive benefits program, including medical, dental, and vision insurance, as well as a 401(k) plan with company match.