Underwriter, Finance & Banking

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• Review and analyze mortgage loan applications, credit reports, income documentation, and property appraisals to assess borrower eligibility and loan risk.
• Evaluate borrowers' financial profiles, including debt-to-income ratio, credit history, and employment stability, to determine loan approval or denial.
• Ensure compliance with company policies, regulatory requirements (such as TILA, RESPA, and Fair Lending), and investor guidelines throughout the underwriting process.
• Communicate lending decisions to Loan Originators, borrowers, and other stakeholders in a clear and timely manner, providing explanations for any conditions or stipulations.
• Collaborate with Loan Processors, Loan Originators, and other team members to resolve issues, address conditions, and facilitate loan closings.
• Maintain a high level of accuracy and attention to detail in underwriting documentation and loan files, ensuring completeness and consistency.
• Provide exceptional customer service by responding to borrower inquiries, providing status updates, and guiding them through the underwriting process with professionalism and empathy.
• Stay informed about industry trends, regulatory changes, and best practices in mortgage underwriting to continuously improve knowledge and skills.
• Cultivate and nurture client relationships while delivering exceptional customer service.

• Prefer a minimum of two years of experience in the mortgage industry
• Familiarity with Encompass software is advantageous.
• Knowledge of the Manufactured Home Industry is a desirable asset.
• Demonstrated ability to multitask effectively.
• Exhibit a strong work ethic.
• Proficient in Microsoft Office suite.
• Possess strong problem-solving abilities.
• Attention to detail and accuracy in tasks.
• Excellent verbal and written communication skills.
• Capability to work both independently and collaboratively in a team environment.