Mortgage Underwriter II - Remote

Overview

The Mortgage Underwriter II will be responsible for underwriting residential loans to ensure compliance with company, investor, and agency guidelines, focusing on enhancing customer service skills and knowledge.

In Short

• Analyze borrower credit, income, assets, collateral, and capacity to determine creditworthiness
• Review and calculate borrower income, including tax returns when required
• Maintain working knowledge of secondary market, investor, and private mortgage insurance guidelines
• Review new loans and clear conditions on resubmissions within SLA
• Respond to audits and support quality control reviews on mortgage files
• Ensure KPIs are met as set forth by the underwriting manager
• Maintain the quality and data integrity of all loan files
• Ability to multitask in a high-volume environment
• Strong attention to detail and effective problem-solving skills
• Ability to work independently while following company policies and procedures

Requirements

• 3+ years of conventional mortgage underwriting experience
• 1–2 years of FHA DE underwriting experience (TOTAL Scorecard and Manual)
• Experience using Encompass LOS (ICE Technology/EllieMae)
• Knowledge of Fannie Mae/DU, Freddie Mac/LPA, and FHA guidelines
• Ability to review credit, income, assets, title, and appraisals for adherence to underwriting guidelines
• Understanding of relevant mortgage industry federal regulations, including RESPA, TILA, ECOA, TRID, CFPB, etc.

Benefits

• Competitive salary and 401 (k) plan
• Comprehensive medical, dental, & vision benefits
• In-office snacks and drinks, and Bagel Fridays
• Pre-tax deductions for public transportation, rideshare services, and parking expenses
• Company-wide orientation, learning & development opportunities
• 17 days paid time off, sick days, and 11 company holidays
• 12 weeks off for both birthing and non-birthing parents — fully paid