Senior Mortgage Underwriter DE​/SARS​/LLAP

Obsidian Financial Services is a HUD-approved Equal Opportunity Housing Lender committed to providing competitive mortgage rates while delivering an exceptional level of customer service and satisfaction. Our mission is to combine innovative mortgage programs with market-leading rates to offer a full range of financing options tailored to individual needs. Backed by significant pooled buying power, we provide access to some of the most competitive mortgage programs available.

We strive to set the standard of excellence in the mortgage industry through unparalleled service and expertise.

This is a full-time, on-site role for a Senior Mortgage Underwriter based in Melbourne, FL. The Senior Mortgage Underwriter will be responsible for evaluating and approving mortgage loan applications in accordance with company policies, industry standards, and regulatory guidelines. Key daily tasks include analyzing credit worthiness, assessing financial documents, verifying compliance, and effectively communicating with loan originators and other relevant stakeholders to ensure timely and accurate decision-making.

• Strong expertise in Mortgage Industry, Mortgage Underwriting, and Mortgages
• Proficient in Underwriting principles and processes
• Excellent Analytical Skills to assess creditworthiness and financial documentation
• Demonstrated attention to detail and ability to meet tight deadlines
• Strong communication and interpersonal skills for working with loan officers and clients
• In-depth knowledge of regulatory guidelines and policies related to mortgage lending
• Previous experience in a similar role is preferred
• Bachelor’s degree in Finance, Business Administration, or a related field is recommended
• DE/SARS/LAPP Preferred.

• Strong negotiation skills combined with excellent financial acumen for assessing loan terms and borrower profiles.
• Proficiency in financial software tools used for data collection, analysis, and reporting within the mortgage industry.
• Expertise in underwriting principles, credit analysis, risk management, and quantitative research methodologies.
• Solid understanding of banking operations, financial concepts such as cash flow analysis, forecasting, and technical accounting standards.
• Ability to perform comprehensive financial analysis including tax review, portfolio management insights, and quantitative analysis techniques.
• Knowledge of mortgage servicing practices along with experience in loan processing and origination workflows.
• Exceptional math skills necessary for complex calculations related to financial modeling and risk assessment.