Underwriter – Retail

General Purpose

To effectively and accurately review and evaluate information regarding mortgage loan documentation in order to determine if the borrower and/or property meet loan standards. Someone who believes in superior customer service and enjoys working in a high production team environment where integrity and honesty is paramount.

Role & Responsibilities

  • Complete a thorough analysis of loan files to determine compliance with company, investor, and government guidelines and standards
  • Evaluate the entire credit package and collateral for residential mortgage loans and ultimately ensure an “investor” quality loan product
  • Provide superior customer service to internal and external customers
  • Communicate decision (approval, suspense, denial) on loans to appropriate parties both verbally and in writing.
  • Be available to processors and loan officers for general guideline interpretations and questions on specific loan files
  • Continually exhibit an understanding of automated underwriting and guidelines 
  • Check accuracy of all calculations

Skills/ Knowledge/ Behaviors

  • 3-5 years current experience as a mortgage underwriter, DE, SAR and/or LAPP certification preferred
  • Experience with underwriting DPA/DAP and various down payment assistance programs a plus
  • Complete knowledge of Conventional, FHA, and VA lending guidelines required
  • Superior customer services skills
  • Excellent written and verbal communication skills
  • Attention to detail required 
  • Strong time management and organizational skills
  • A team player, ability to work independently
  • Thrive in a fast paced, high production environment
  • Readily embraces change
  • Excellent analytical and decision-making skills
  • Solid computer skills; including Microsoft Office products, Encompass experience ideal