US Mortgage Underwriter

Key Responsibilities

Loan Preparation & Accuracy

• Review and validate all mortgage loan components, including borrower documentation, financial data, and property appraisals.
• Ensure all data points and documents in the loan package are accurate, complete, and aligned with Automated Underwriting System (AUS) outputs.
• Conduct thorough calculations and validations to ensure the integrity and reliability of the loan package.

Investor-Ready Documentation

• Prepare mortgage loan packages with the highest level of accuracy to meet capital market buyer requirements.
• Anticipate and address potential discrepancies to avoid investor objections or rejections.
• Ensure loan conditions are met and documentation is robust enough to withstand scrutiny from investors or fault-finding reviewers.

Credit & Risk Mitigation

• Identify and resolve credit issues to minimize risks, ensuring adherence to all regulatory requirements.
• Deliver loans without errors, apart from permissible compliance deviations, ensuring investor trust and confidence.
• Maintain meticulous documentation for each underwriting decision, creating a transparent audit trail.

Collaboration & Communication

• Work closely with expeditors, loan officers, and other stakeholders to gather missing documents and resolve inconsistencies.
• Communicate underwriting requirements and conditions clearly to ensure all parties are aligned on expectations.

Quality Assurance & Process Improvement

• Conduct quality checks on completed loan packages to maintain a 100% error-free standard.
• Stay updated on industry guidelines, investor requirements, and regulatory changes to uphold best practices.
• Recommend and implement improvements to streamline processes and enhance efficiency.

Requirements

• At least 5 years meaningful experience with mortgage loan underwriting (conventional, FHA/VA, non-QM) for US consumers
• Experience and familiarity with TRID guidelines, and agency and investor guidelines (Fannie/Freddie/HUD/VA)
• Understanding of the mortgage life cycle from end-to-end strongly preferred
• Superb communication, collaboration and problem-solving skills.
• Proficiency, speed and accuracy in written communication.
• Fluency, clarity and good diction in English
• Great analytical, organizational skills & time management abilities
• Proficiency in using MS Excel/Google Sheets
• Experience in using customer information tools (e.g. Retool), task management tools, Google Drive.
• Detail Oriented - we’re a financial services company so being correct about the details matter
• Bachelor's Degree - in marketing, finance, economics, or related fields.…