Mortgage Expert

The primary responsibilities of the Senior Underwriter include reviewing mortgage files submitted to Underwriting. This position requires calculating income, analyzing debt and assets, as well as completing an in-depth review of the completed appraisal and title.

The Senior Underwriter will be responsible for:

• Performing a complete and in-depth review of mortgage loan files, including income, assets, credit, and collateral
• Utilizing the client's loan operating system to ensure accurate data entry
• Underwriting loans in accordance with client guidelines, utilizing AUS or manual guidelines
• Evaluating and ensuring overall loan documents are accurate, complete, and compliant
• Ability to identify and/or clear red flag or alerts
• Issuing loan decisions and condition files accordingly
• Reviewing and approving conditions for compliance and completion of loan file
• Providing excellent customer service to internal and external clients
• Maintaining current knowledge of client and investor requirements
• Resolving pre and post-closing issues as they relate to underwriting
• Assisting Processors/Loan Officers in understanding underwriting decisions and conditions

Responsibilities require a minimum 2+ years of current conventional mortgage loan underwriting experience. Required skills include strong knowledge of income calculations, tax returns, reading credit reports, identifying red flags, basic knowledge of appraisal, and ability to recognize red flags and ineligible properties.