- Analyze and underwrite loan files including credit, income, assets, appraisals, title, and supporting documentation.
- Issue clear, concise approval, suspension, or denial decisions within delegated authority.
- Underwrite loans to current FHA, VA, USDA, and Conventional guidelines.
- Perform manual underwrites for loans that do not receive AUS Approve/Eligible findings.
- Interpret and evaluate complex self-employed income documentation (K-1s, Schedule C, 1120s, 1065s).
- Review large deposits, verify funds for closing, and ensure adequate reserves.
- Communicate conditions and rationale for decisions to internal stakeholders clearly and professionally.
- Ensure all underwritten files meet agency, investor, and federal compliance requirements.
- Stay informed on changes to underwriting policies, loan products, and regulatory updates.
- Partner with processing and sales teams to promote a collaborative and efficient pipeline.