US Mortgage Analyst

Role & responsibilities

Evaluate mortgage loan applications to ensure completeness, accuracy, and compliance with

company and industry guidelines.

• Review and analyze credit reports, income documents, asset statements, property

appraisals, and other relevant documents.

• Make informed underwriting decisions for Conventional, FHA, VA, and USDA loan programs.
• Approve, suspend, or deny loan applications based on thorough analysis and company

policies.

• Provide clear and concise conditions for loan approval to processors and loan officers.
• Ensure all underwriting activities comply with federal and state regulations, company

policies, and secondary market guidelines.

• Assess risk factors and determine loan eligibility within specified parameters to mitigate

potential risks.

• Maintain detailed and accurate records of underwriting decisions and conditions.
• Communicate effectively with loan officers, processors, and other relevant parties to

facilitate a smooth loan processing workflow.

• Stay updated on industry trends, regulatory changes, and underwriting best practices.
• Participate in ongoing training and development programs to enhance underwriting skills

and knowledge.

Preferred candidate profile

• Education: Bachelors degree in finance, business, or a related field is preferred.

• Knowledge: In-depth understanding of the 4 Cs of underwriting Credit, Capacity, Collateral, and Capital.

• Strong analytical and decision-making abilities.

• Excellent written and verbal communication skills.

• Detail-oriented with strong organizational skills.