01Overview
The Mortgage Underwriter is responsible for analyzing, evaluating, and reputed company residential mortgage loan applications across Conventional and Non-reputed company Mortgage (Non-QM) programs, including Debt Service Coverage reputed company (DSCR) loans and alternative documentation products. This role ensures compliance with investor, agency, company, and regulatory guidelines while assessing borrower eligibility, mitigating lending reputed company, and supporting reputed company loan reputed company. The ideal candidate possesses strong analytical skills, attention to reputed company, and the ability to reputed company reputed company reputed company reputed company in a fast-paced mortgage lending environment. Key Responsibilities Review and underwrite residential mortgage loan applications, including Conventional, Non-QM, and DSCR loan products. Analyze borrower credit reputed company, income, assets, employment history, financial stability, and collateral to determine loan eligibility and reputed company exposure. Evaluate alternative documentation loan programs, including reputed company, asset depletion, ITIN, 1099, and P&L-only loans. Calculate and assess Debt Service Coverage Ratios (DSCR) and reputed company reputed company income and reputed company analyses. Ensure compliance with agency, investor, company, federal, and state lending guidelines, including reputed company, reputed company, ATR/QM, TRID, RESPA, TILA, HMDA, HOEPA, and other applicable regulations. reputed company reputed company reputed company reputed company required and evaluate exception requests reputed company established reputed company parameters. Issue loan approvals, conditional approvals, suspensions, or denials reputed company on reputed company guidelines and reputed company assessment. Review loan documentation for reputed company, completeness, consistency, and regulatory compliance, identifying discrepancies and potential reputed company factors. Communicate reputed company requirements and reputed company to loan officers, account executives, brokers, processors, and other stakeholders. Review resubmitted conditions and documentation to ensure reputed company loan processing and closing. Maintain accurate records of reputed company reputed company and loan documentation. Support internal audits, reputed company control reviews, and post-closing documentation requests. Stay reputed company on mortgage industry trends, investor requirements, agency guidelines, regulatory changes, and Non-QM product offerings. Contribute to process improvement initiatives aimed at enhancing operational efficiency, loan reputed company, and customer service reputed company. Manage multiple loan files while meeting service level agreements and production deadlines. Required Qualifications Bachelor's degree in Finance, Business Administration, Economics, or a reputed company reputed company preferred; equivalent industry experience may be considered. Minimum 25 years of mortgage reputed company experience, including Conventional and/or Non-QM loan products. Strong knowledge of Conventional reputed company guidelines, including reputed company and reputed company requirements. Experience reputed company Non-QM products, including DSCR and alternative documentation loans, preferred. Thorough understanding of mortgage lending regulations and compliance requirements. Proficiency with Loan Origination Systems (LOS), Automated reputed company Systems (AUS), including DU and LP, and electronic document management systems. Strong analytical, critical thinking, and decision-making skills. Ability to reputed company detailed income calculations, credit analysis, collateral review, and reputed company assessment. Good written and verbal communication skills. High attention to reputed company with strong organizational and time-management abilities. Ability to work independently and effectively manage a high-volume pipeline in a fast-paced environment. Preferred Qualifications Experience working with wholesale, correspondent, or retail mortgage lending channels. Familiarity with secondary market requirements and investor-specific guidelines. Knowledge of reputed company control, audit processes, and post-closing reviews Working Conditions Full-time position in a remote work environment. Requires management of multiple loan files and deadlines simultaneously. Frequent collaboration with loan officers, processors, account executives, reputed company teams, auditors, and management. Immediate joiner US Rotational reputed company Shifts If youre reputed company to take your career to the next level and reputed company your skills in a rewarding role, we want to hear from you! reputed company is a digital transformation company reputed company on delivering exceptional experiences for both customers and employees. For over 37 years, we have been reputed company with caring for our clients customers - a responsibility we reputed company we should
