Senior Underwriter

As an Underwriter, your primary responsibility will be to review mortgage files submitted for underwriting. This will involve calculating income, analyzing debt and assets, as well as conducting a thorough review of appraisals and titles. You will also be required to enter data into the clients" loan operating system, use automated underwriting systems for approval decisions, and clear conditions for Final Approval. It is essential that you possess a strong sense of urgency and can work effectively in a team setting, showcasing excellent organizational, communication, and PC skills. Your key responsibilities will include: - Performing a comprehensive review of mortgage loan files, covering aspects such as income, assets, credit, and collateral - Ensuring accurate data entry in the clients" loan operating system - Underwriting loans in compliance with client guidelines, utilizing automated underwriting systems or manual guidelines - Evaluating the accuracy, completeness, and compliance of overall loan documents - Identifying and addressing red flags or issues as they arise - Issuing loan decisions and handling file conditions accordingly - Reviewing and approving conditions for loan file compliance and completion - Providing exceptional customer service to both internal and external clients - Staying updated on client and investor requirements - Resolving underwriting-related issues before and after loan closing - Assisting Processors and Loan Officers in understanding underwriting decisions and conditions - Being able to work effectively in a high-stress environment while maintaining a high level of customer service - Being flexible to work beyond 40 hours when required Qualifications required for this role are: - Minimum of 2+ years of current conventional mortgage loan underwriting experience - Strong knowledge of income calculations, tax returns, credit report analysis, and identifying red flags - Basic understanding of appraisals and ability to recognize red flags and ineligible properties - Thorough knowledge of GSE underwriting guidelines and automated underwriting engines (DU/LP) - Strong analytical, interpersonal, verbal, and written communication skills - Detail-oriented with excellent time management skills - Ability to thrive in a flexible and production-oriented environment - Willingness to collaborate as part of a team - Proficiency in working across multiple systems in a paperless environment - Willingness to work in a strict security environment - Preferred NMLS-MLO Licensure - Availability to work outside of normal business hours as needed Thank you.,