About This Role
This full-time Underwriter role involves evaluating mortgage applications to ensure they meet investor guidelines for the buyer, property, and conditions. The ideal candidate will join a team focused on providing excellent customer experience for both internal and external customers.
Responsibilities
- Review and evaluate co-ownership applications to determine compliance with applicable investor and Company guidelines
- Analyze income, assets, credit, collateral, occupancy, and overall transaction risk to make sound underwriting decisions
- Conditionally approve, suspend, or recommend denial of applications based on documented findings and applicable guidelines
- Identify discrepancies, potential risks, and additional documentation needed to support an underwriting decision
- Clearly document underwriting decisions and communicate conditions that are concise, actionable, and supported by applicable guidelines
- Maintain current knowledge of Fannie Mae, Freddie Mac, investor, and Company guidelines and independently research underwriting questions as needed
- Manage assigned workload to meet established quality, productivity, and service expectations while maintaining accuracy and compliance
- Communicate professionally with processors, sales staff, management, and other business partners and take ownership of assigned files through final disposition
- Perform other duties as assigned by management
Requirements
- Associate’s degree preferred
- Minimum five years of underwriting experience with conventional first mortgage loans
- Comprehensive knowledge of applicable Fannie Mae and Freddie Mac underwriting requirements and investor guidelines
- Demonstrated ability to independently analyze complex transactions, research guideline questions, exercise sound underwriting judgment, and escalate only when a true guideline conflict, policy question, or business risk exists
- Excellent oral and written communication skills
- Strong attention to detail and ability to identify discrepancies, inconsistencies, documentation conflicts, and potential risk issues
- Ability to consistently meet established quality, compliance, and production expectations while managing workload independently
- Demonstrated accountability, professional integrity, and commitment to continuous learning and development
- Proven track record in exceptional follow-up and customer service
- Ability to prioritize multiple projects to ensure deadlines are met
- Demonstrated initiative and use independent judgment within Guidance's established guidelines and procedures
Benefits
- Comprehensive benefits package including Medical, Dental, Vision, Flex Spending, Life/AD&D, STD, LTD
