US Mortgage Underwriter

Job Roles and Responsibilities:

• Degree or Equivalent

• Minimum 3 years of experience in conventional/govt end to end underwriting.

• Well-versed with all 4C's of Underwriting (Asset, Income, Credit and Collateral

• Review and analyze the mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors.

• Review all required loan data, reports, and inspections to ensure the collateral is acceptable to investor and the company.

• Responsible for making independent decisions regarding acceptance and risk of loans according to HUD, company, and investor guidelines.

• Provides final approval underwriting of mortgage loans.

• Completes all required paperwork and forms in a timely and accurate manner; prepares required forms.

• Sign off conditions in a timely manner set by management.

• Work with staff and management to find solutions on escalated loans.

• May be requested to make recommendations for improving Internal Audit's policies and practices.

• Manage loans by using all functions of Encompass.

• Effectively communicate underwriting decisions with processors and advisors

• Maintain a high level of customer service and communication with other departments.

• Other duties as assigned.