US Mortgage Underwriter - Remote

Overview

As a US Mortgage Underwriter, you play a critical role in the mortgage lending process by assessing the risk associated with granting loans to potential homebuyers. Your primary responsibility is to evaluate loan applications and ensure they meet the lender's guidelines and regulatory requirements. Your analytical skills, attention to detail, and ability to make sound judgments will be essential in determining the creditworthiness of applicants.

In Short

• Evaluate mortgage loan applications to determine applicant creditworthiness.
• Review financial documents for accuracy and completeness.
• Analyze risk associated with loan applications.
• Ensure compliance with lending regulations and internal policies.
• Communicate with stakeholders for additional information.
• Make informed decisions on loan approvals or rejections.
• Conduct quality assurance reviews of underwriting decisions.
• Identify areas for process improvement.
• Utilize underwriting software and mortgage industry tools.
• Manage multiple priorities in a fast-paced environment.

Requirements

• Bachelor's degree in finance, accounting, or related field preferred.
• 5+ years of experience in mortgage underwriting.
• Strong understanding of mortgage lending regulations.
• Excellent analytical skills.
• Attention to detail in reviewing applications.
• Effective verbal and written communication skills.
• Proficiency in underwriting software.
• Ability to manage multiple priorities.
• Knowledge of income calculations for various lenders.
• Comfortable with AUS findings.

Benefits

• Above market salary.
• HMO on Day 1 for principal and two dependents.
• Government-mandated benefits.
• Performance-based incentives.
• Quarterly company events.
• 1,000 PHP De Minimis.
• Equipment and software provided.