US Mortgage Underwriter

Job Roles and Responsibilities: • Degree or Equivalent • Minimum 3 years of experience in conventional/govt end to end underwriting. • Well-versed with all 4C's of Underwriting (Asset, Income, Credit and Collateral • Review and analyze the mortgage loan application to ensure eligibility, accuracy, completeness, and compliance with internal and regulatory guidelines to minimize risk factors. • Review all required loan data, reports, and inspections to ensure the collateral is acceptable to investor and the company. • Responsible for making independent decisions regarding acceptance and risk of loans according to HUD, company, and investor guidelines. • Provides final approval underwriting of mortgage loans. • Completes all required paperwork and forms in a timely and accurate manner; prepares required forms. • Sign off conditions in a timely manner set by management. • Work with staff and management to find solutions on escalated loans. • May be requested to make recommendations for improving Internal Audit's policies and practices. • Manage loans by using all functions of Encompass. • Effectively communicate underwriting decisions with processors and advisors • Maintain a high level of customer service and communication with other departments. • Other duties as assigned.