Job Summary
The Mortgage Underwriter is responsible for evaluating and underwriting residential mortgage loan applications in accordance with company guidelines, investor requirements, and federal and state regulations. This role analyzes borrower income, assets, credit, and collateral to assess risk and make sound lending decisions while ensuring compliance and loan quality.
Key Responsibilities

+ Review and underwrite mortgage loan applications, including income, assets, credit, and property documentation.

+ Analyze self-employed borrower income and financial records.

+ Evaluate loan eligibility based on agency, investor, and internal guidelines.

+ Review exception requests and recommend alternative loan solutions when appropriate.

+ Approve, suspend, or decline loans and prepare adverse action notices as required.

+ Assess property acceptability and collateral adequacy.

+ Collaborate with loan originators, processo...