Mortgage Underwriter

As a Mortgage Underwriter at our company, your role will involve reviewing, analyzing, and approving/denying mortgage applications based on risk assessment and investor guidelines. You will be responsible for evaluating borrowers based on the 4 Cs of underwriting - Credit, Capacity, Collateral, and Capital - to determine loan eligibility. Additionally, you will need to analyze creditworthiness, property valuation, and overall lending risks to ensure sound decision-making. It will be crucial for you to ensure compliance with federal, state, and investor regulations, while maintaining high-quality underwriting standards. Collaboration with loan officers, processors, and other stakeholders will also be a key aspect of your responsibilities to streamline the underwriting process. Qualifications Required: - Minimum 2 years of experience in mortgage underwriting, preferably in US residential loans - Certifications such as DE (Direct Endorsement) for FHA loans, SAR/LAPP for VA loans are preferred - Strong attention to detail with excellent analytical skills to assess financial documents and property risks accurately - Effective communication skills to articulate underwriting decisions to internal teams and external stakeholders Join our team as a Mortgage Underwriter and utilize your expertise in the 4 Cs of underwriting to contribute to our risk assessment, income calculations, and property evaluation processes.,