
Senior Mortgage Analyst
6 days ago
The Conventional Underwriter is responsible for reviewing and analyzing mortgage loan applications to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines.
They examine all documentation for accuracy and completeness, using their expertise in the 4C's framework (Credit, Capacity, Collateral, and Capital) to make informed decisions.
The ideal candidate will have experience in live underwriting and real-time analysis, excellent income calculation and debt-to-income ratio calculation skills, and a strong understanding of credit report analysis and letter of explanation.
Key Responsibilities:
- Review and analyze mortgage loan applications
- Examine documentation for accuracy and completeness
- Use expertise in 4C's framework to make informed decisions
- Have experience in live underwriting and real-time analysis
- Excellent income calculation and debt-to-income ratio calculation skills
- Strong understanding of credit report analysis and letter of explanation
- Minimum 3 years of experience in conventional/govt end-to-end underwriting
- Well-versed in all 4C's of Underwriting (Asset, Income, Credit, and Collateral)
- Excellent communication and customer service skills
- Ability to work independently and as part of a team
- Strong analytical and problem-solving skills
Our company offers a competitive salary and benefits package, including health insurance, retirement plan, and paid time off.
Employees also enjoy flexible working hours, remote work options, and opportunities for professional growth and development.
OthersAs a Conventional Mortgage Underwriter, you will be responsible for managing loans using Encompass and effectively communicating underwriting decisions with processors and advisors.
You will also maintain high levels of customer service and communication with other departments.
Additional responsibilities may include making recommendations for improving internal audit policies and practices.
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