Job Description
The Mortgage Loan Underwriter position is responsible for underwriting Conventional, FHA, and VA loans following established company, agency and investor guidelines. The underwriter evaluates mortgage loan files and assesses risk based on compliance, agency, investor, and company guidelines to ensure salability with minimal loss. Individuals in this role are required to keep current with regulatory and market changes. Ideal candidates will be service-focused with superior time-management and communication skills, have the ability to multi-task.
Key responsibilities
Complete thorough analysis of mortgage loan files to determine compliance with agency, company and investor guidelines to ensure salability of closed loans
Review resubmitted files and documents
Make and issue independent compliant loan decisions
Maintain company service level and turn-time standards
Respond to audits and post-closing issues in a timely manner
Maintain working knowledge of agency and investor guidelines and policies
Mentor processing staff on underwriting deficiencies and calculation errors
Other duties as assigned
Compensation
-Initial hours 9-5 + OT at month end. Ability to work from home after 6 months (with one day a week in office).
-Starting salary begins at $36.00/hr+ based on credentials and interview
-Quarterly bonuses offered
-Full Benefit package offered
Qualifications
2 years’ experience underwriting with strong credit, collateral, and risk analysis background preferred
FHA, VA designations preferred
Strong analytical decision-making and problem-solving abilities
Demonstrated success in a fast-paced, high-stakes environment
Excellent verbal and written communication skills
Mortgage Underwriter • Charlotte, NC
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