Job Description

Job Overview

We are seeking a detail-oriented and analytical Mortgage Underwriter to join our dynamic team. The ideal candidate will be responsible for evaluating and approving mortgage applications, ensuring compliance with company policies and regulatory requirements. This role requires a strong understanding of risk analysis, financial services, and the ability to negotiate effectively. The Mortgage Underwriter will play a critical role in the loan approval process, contributing to the overall success of our lending operations.

Duties

Review and analyze mortgage loan applications to determine creditworthiness and risk factors. Conduct thorough risk analysis by assessing borrower financial information, including income, assets, debts, and credit history. Ensure compliance with all applicable regulations and company policies throughout the underwriting process. Collaborate with loan officers and other stakeholders to gather necessary documentation for loan processing. Utilize strong math skills to calculate debt-to-income ratios and other financial metrics essential for decision-making. Negotiate terms and conditions of loans with borrowers when necessary, ensuring clarity and understanding of the underwriting decisions. Maintain accurate records of all underwriting decisions and communicate findings clearly to relevant parties. Stay updated on industry trends, guidelines, and changes in regulations that may impact underwriting practices.

Qualifications

Strong analytical skills with the ability to perform risk analysis effectively. Proficiency in data collection methods and tools relevant to mortgage processing. Excellent communication skills, both verbal and written, with an emphasis on negotiation abilities. Detail-oriented mindset with a commitment to accuracy in evaluating financial documents. Ability to work independently as well as collaboratively within a team environment. Familiarity with mortgage software systems is a plus but not required. Experience in mortgage underwriting or a related financial services role is preferred.
If you are passionate about helping individuals achieve their homeownership dreams through sound financial practices, we encourage you to apply for this exciting opportunity as a Mortgage Underwriter!

Job Types: Full-time, Permanent, Freelance

Pay: $65,000.00-$75,000.00 per year

Benefits:

Casual dress Flexible schedule Paid time off
Education:

Secondary School (preferred)
Work Location: In person