Underwriter - III

The Mortgage Underwriter III is responsible for underwriting Government and Conventional loans, reviewing credit, capacity, and collateral characteristics to ensure compliance with standards. The role involves managing loan pipelines, reviewing and clearing underwriting conditions, and interpreting guidelines.

Location: Remote Georgia

Responsibilities

• Manage individual pipeline on a daily basis by completing Underwriting Reviews, appraisal reviews and conditions reviews within defined turn times.
• Identify any document deficiencies, add applicable conditions, and request additional information and/or documentation from customers as needed.
• Assist others in the department in interpreting underwriting guidelines and updating underwriting status and conditions to customers.
• Perform independent research of guidelines and overlays while reviewing loans.

Requirements

• 7+ years of related experience in Mortgage Industry, Residential Mortgage Loan underwriting or similar field.
• High school diploma required.
• Advanced knowledge of residential mortgage industry in Correspondent or Retail Lending, including sales, operations, capital markets and/or other residential mortgage products and services.
• Advanced knowledge of applicable regulatory and legal compliance obligations, rules and regulations, industry standards and practices.
• Advanced knowledge of FNMA, FHLMC, FHA, VA and USDA Guidelines.
• Intermediate knowledge of MS Office products.
• Intermediate knowledge of Encompass.
• Advanced speaking and writing communication skills.

Benefits

• Competitive salaries
• Ownership stake in the company
• Medical and dental insurance
• Time off
• Great 401k matching program
• Tuition assistance program
• Employee volunteer program
• Wellness program