Conventional Mortgage Underwriter

This is a fully remote position, open to applicants in Florida.

📋 Description

• Conduct comprehensive analyses to guarantee the quality of each loan and verify adherence to Company and Investor standards.

• Execute detailed evaluations of collateral to confirm that properties align with investor guidelines and that the appraisal's quality and completeness are satisfactory.

• Implement and interpret company underwriting guidelines, making informed credit decisions.

• Finalize credit assessments, analyze income, evaluate property, ensure proper audits are performed, and verify the consistency of loan file details.

• Recognize risk factors in each loan, utilizing resources, tools, and documentation to identify red flags and resolve inconsistencies.

• Assess and review credit information on mortgage loan documents to establish their suitability for specific loan programs.

• Identify any conditions, stipulations, or prerequisites for funding.

• Maintain up-to-date knowledge of investor guidelines, updates, and trends relevant to the underwriting role.

• Conduct second signature underwriting reviews on loan files processed by junior underwriters, within designated authority as needed.

• Demonstrate excellent computer skills and proficiency in Microsoft Office applications.

⛳️ Requirements

• A minimum of 4 years of experience in Conventional mortgage underwriting.

• Experience with DU and LP is essential.

• FHA DE/Direct Endorsement designation is advantageous.

• VA SAR designation experience is preferred but not mandatory.

• Familiarity with Encompass is preferred.

🏝️ Benefits

• Options for remote work are available.