- Independently underwriting a wide range of mortgage loans, including FHA, VA, USDA, and conventional products, while ensuring compliance, risk assessment, and sound decision‑making based on both AUS and manual analysis.
- Ensure all loan files meet HUD, FHA, investor, regulatory, and internal guidelines and overlays.
- Review and analyze credit, income, assets, and collateral documentation to determine loan eligibility; Inquire about any additional information needed to determine loan risk.
- Ensure that once all information is received it is accurate, it meets compliance standards, and it aligns with company policies.
- Communicate and document reasons for approval or rejection of loans so clients and loan officers are well‑informed of decisions.
- Collaborate with internal operations team members, clients, and brokers to gather necessary documentation, clarify information, and ensure smooth processing of loan applications.
Requirements
- 5+ years of mortgage underwriting experience or mortgage lending experience required.
- Active DE/CHUMS and LAPP/SAR certification required.
- 2+ years’ experience with manual underwrites.
- High school diploma required; college degree preferred.
- Understanding of compliance standards, including federal regulations (e.g., RESPA, TILA, and Dodd-Frank) and company policies.
- Knowledgeable in automated underwriting systems and Microsoft office.
- Recent experience with wholesale underwriting.
- Proficiency with Encompass loan origination system preferred.
Core Competencies
Demonstrates extensive mortgage underwriting expertise, ensuring compliance with federal regulations and company policies while effectively assessing loan eligibility and risk. Proficient in utilizing automated underwriting systems and collaborating with various stakeholders to facilitate smooth loan processing.
Highest-signal resume keywords
- Mortgage Underwriting Experience
- DE/CHUMS Certification
- LAPP/SAR Certification
- Manual Underwriting Experience
- Compliance Standards Knowledge
ATS Optimization Keywords
Hard Skills
- Risk Assessment
- Loan Eligibility Analysis
- Credit Review
- Income Analysis
- Asset Evaluation
- Collateral Documentation Review
- Automated Underwriting Systems
- Wholesale Underwriting
- Compliance Standards Understanding
- Decision‑Making
Soft Skills
- Communication
- Collaboration
- Documentation
Certifications & Qualifications
- DE/CHUMS Certification
- LAPP/SAR Certification
Industry Keywords
- FHA Loans
- VA Loans
- USDA Loans
- Conventional Loans
- HUD Guidelines
- RESPA
- TILA
- Dodd-Frank
Tools & Technologies
- Encompass Loan Origination System
- Microsoft Office
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Mortgage Underwriter Arbeitgeber: Jobtailor
Als Front Office Supervisor in unserem dynamischen Team bieten wir Ihnen die Möglichkeit, in einem unterstützenden und freundlichen Arbeitsumfeld zu wachsen. Wir legen großen Wert auf die berufliche Entwicklung unserer Mitarbeiter und bieten regelmäßige Schulungen sowie die Chance, Verantwortung zu übernehmen. Unsere Lage ermöglicht es Ihnen, Teil einer lebendigen Gemeinschaft zu sein, während Sie gleichzeitig die Standards unseres Franchise-Partners einhalten und unseren Gästen einen unvergesslichen Aufenthalt bieten.
