Mortgage Underwriter

Other Positions

Remote

June 23, 2026

Application ends: September 21, 2026

Job Description

REQUIREMENTS

Minimum of 5 years of mortgage underwriting experience.
Proven experience underwriting: Conventional loans, FHA loans, VA loans, USDA loans
DE/CHUMS designation required.
SAR/LAPP designation preferred.
Strong understanding of agency, investor, and regulatory underwriting guidelines.
Advanced knowledge of self-employed borrower analysis and complex tax return review.
General banking and mortgage lending knowledge.
Excellent verbal and written communication skills.
Strong analytical, problem-solving, and decision-making abilities.
High attention to detail and accuracy.
Ability to prioritize workload and meet deadlines in a fast-paced environment.
Strong customer service orientation.
Ability to work independently while collaborating effectively with team members.
Proficiency in Microsoft Outlook, Word, and Excel.
Ability to maintain confidentiality and comply with all company policies and regulatory requirements.

RESPONSIBILITIES

Conduct thorough reviews of residential mortgage loan files to ensure compliance with company, investor, and government underwriting guidelines.
Evaluate complete credit packages and collateral documentation to ensure delivery of investor-quality loan products.
Analyze borrower risk factors and make sound underwriting decisions, including approvals, suspenses, and denials.
Calculate income and debt ratios in accordance with Dodd-Frank Appendix Q and investor requirements.
Analyze a wide range of income types
Review and analyze complex federal tax returns and self-employed borrower income utilizing FNMA Form 1084.
Review asset documentation for accuracy, completeness, and compliance with investor guidelines.
Evaluate credit reports, flood certifications, hazard insurance policies, purchase contracts, title reports, and other supporting loan documentation.
Review and analyze appraisal reports
Identify potential red flags, inconsistencies, and fraud indicators within loan files.
Accurately enter loan data into the loan origination system and ensure required disclosures and documentation are complete.
Communicate underwriting decisions clearly and professionally to all appropriate parties.
Issue underwriting conditions, review submitted documentation, and clear conditions in a timely manner.
Provide guidance on underwriting guidelines through the Underwriting Hotline as assigned.
Maintain current knowledge of loan products, investor requirements, and regulatory changes.
Operate effectively in a paperless environment.
Deliver exceptional customer service and timely support to internal and external stakeholders.
Ensure strict adherence to all federal and state regulations, company policies, confidentiality requirements, and security protocols.
Perform additional duties and special projects as assigned.