Underwriter

Roles and Responsibilities :

• Evaluate and underwrite residential mortgage and consumer loan applications.
• Assess risk and make informed decisions on loan approvals.
• Validate data entry into the Loan Operating System and evaluate documentation.
• Identify potential issues and escalate them to senior management.
• Coach and mentor junior staff members.
• Monitor vendor performance and submit regular reports to management.

Job Requirements :

• Minimum 3 years of experience in loan underwriting or related field.
• Strong knowledge of loan underwriting documentation requirements.
• Proficiency in mortgage operations, including FNMA DU automated underwriting systems.
• Excellent communication and interpersonal skills.
• Detail-oriented with strong organizational, analytical, and decision-making abilities.
• In-depth knowledge of regulatory, investor, and departmental lending policies.
• A two-year degree or equivalent experience is preferred.
• Ability to manage heavy workloads, multitask, and meet deadlines.
• Familiarity with underwriting jumbo loans and government products such as FHA and VA loans.
• Knowledge of CRA products and industry trends.