Mortgage Underwriter

Role Overview: As an Underwriter, your primary responsibility will be to review mortgage files submitted for underwriting. This role will involve tasks such as calculating income, analyzing debt and assets, and conducting a thorough review of appraisals and titles. Additionally, you will be required to input data into the client's loan operating system, use automated underwriting systems for approvals, and clear conditions for Final Approval. It is crucial for you to exhibit a strong sense of urgency, work effectively in a team setting, and possess excellent organizational, communication, and PC skills. Key Responsibilities: - Conduct comprehensive reviews of mortgage loan files - Ensure accurate data entry into the loan operating system - Underwrite loans based on client guidelines - Evaluate loan documents for accuracy and compliance - Identify and address any red flags - Issue loan decisions and approve conditions - Deliver exceptional customer service - Stay updated on client and investor requirements - Resolve underwriting-related issues - Assist Processors/Loan Officers in understanding underwriting decisions and conditions - Manage a high-stress environment while maintaining a high level of customer service - Be willing to work beyond regular hours when needed Qualifications Required: - Minimum of 2+ years of current conventional mortgage loan underwriting experience - Strong understanding of income calculations, tax returns, credit reports, and red flag identification - Basic knowledge of appraisals and property eligibility - Familiarity with GSE underwriting guidelines and automated underwriting engines - Strong analytical and communication skills - Attention to detail - Effective time management skills - Adaptability to a production-oriented environment - Willingness to collaborate in a team - Proficiency in working across multiple systems in a paperless setup - Readiness to work in a secure environment - Preference for NMLS-MLO Licensure (Note: No additional details about the company were present in the provided job description.),