U.S Mortgage Underwriter

As a skilled U.S. Mortgage Underwriter with expertise in the 4 Cs of underwriting (Credit, Capacity, Collateral, and Capital), 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' credit, capacity, collateral, and capital to determine loan eligibility, as well as analyzing creditworthiness, property valuation, and overall lending risks to ensure sound decision-making. Additionally, you will need to ensure compliance with federal, state, and investor regulations while maintaining high-quality underwriting standards. Collaboration with loan officers, processors, and other stakeholders to streamline the underwriting process will also be a key part of your responsibilities. Key Responsibilities: - Review, analyze, and approve/deny mortgage applications based on risk assessment and investor guidelines. - Evaluate borrowers' Credit, Capacity, Collateral, and Capital to determine loan eligibility. - Analyze creditworthiness, property valuation, and overall lending risks to ensure sound decision-making. - Ensure adherence to federal, state, and investor regulations, maintaining high-quality underwriting standards. - Work closely with loan officers, processors, and other stakeholders to streamline the underwriting process. Qualifications Required: - Minimum 2 years of experience in mortgage underwriting, preferably in U.S. or U.K. or global residential loans. - Strong attention to detail and analytical skills to assess financial documents and property risks accurately. - Effective communication skills to articulate underwriting decisions to internal teams and external stakeholders. As a skilled U.S. Mortgage Underwriter with expertise in the 4 Cs of underwriting (Credit, Capacity, Collateral, and Capital), 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' credit, capacity, collateral, and capital to determine loan eligibility, as well as analyzing creditworthiness, property valuation, and overall lending risks to ensure sound decision-making. Additionally, you will need to ensure compliance with federal, state, and investor regulations while maintaining high-quality underwriting standards. Collaboration with loan officers, processors, and other stakeholders to streamline the underwriting process will also be a key part of your responsibilities. Key Responsibilities: - Review, analyze, and approve/deny mortgage applications based on risk assessment and investor guidelines. - Evaluate borrowers' Credit, Capacity, Collateral, and Capital to determine loan eligibility. - Analyze creditworthiness, property valuation, and overall lending risks to ensure sound decision-making. - Ensure adherence to federal, state, and investor regulations, maintaining high-quality underwriting standards. - Work closely with loan officers, processors, and other stakeholders to streamline the underwriting process. Qualifications Required: - Minimum 2 years of experience in mortgage underwriting, preferably in U.S. or U.K. or global residential loans. - Strong attention to detail and analytical skills to assess financial documents and property risks accurately. - Effective communication skills to articulate underwriting decisions to internal teams and external stakeholders.