Underwriter III
New
J
JobgetherMortgage Lending
Based in the United StatesFull-TimeSenior
Salary$36.14–$54.21 USD hourly
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Job Details
- Experience
- At least 5 years of recent experience in the mortgage industry
- Required Skills
- Microsoft Excel
Requirements
- High school diploma or equivalent (college coursework in Business, Finance, or related field preferred).
- At least 5 years of recent mortgage industry experience with substantial underwriting background.
- Current Direct Endorsement (DE) certification required.
- Current SAR, VA, and Auto endorsements required for assigned regions.
- Expert-level knowledge of mortgage lending, underwriting, and funding processes.
- Expert-level understanding of mortgage documentation, including tax returns and financial statements.
- Ability to evaluate data, draw sound conclusions, and assess risk with high independent judgment.
- Proficiency with Microsoft Office (Word, Excel) and collaborative cloud-based platforms.
- Strong organizational, prioritization, and time management skills.
- Excellent verbal and written communication skills.
Responsibilities
- Review and evaluate mortgage loan documentation for accuracy, completeness, and compliance with federal, agency, and internal requirements.
- Underwrite conventional, FHA, VA, USDA, new construction, and condominium project loans.
- Analyze debt-to-income, loan-to-value, credit reports, and financial statements to assess creditworthiness and detect fraud.
- Verify accuracy of system inputs and ensure consistency with Automated Underwriting Systems (AUS).
- Approve or deny loan applications based on regulatory requirements and risk factors.
- Provide guidance and support to less experienced team members regarding complex underwriting issues.
- Collaborate with Loan Processors and Loan Officers to resolve documentation gaps.
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