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Role Description

The Mortgage Underwriter is responsible for evaluating and assessing loan applications to determine borrower creditworthiness and compliance with company and investor guidelines. This role involves detailed analysis of financial documents, credit reports, and property appraisals to ensure sound lending decisions and mitigate risk.

• Review and analyze mortgage loan applications for completeness, accuracy, and compliance with underwriting standards (e.g., Fannie Mae, Freddie Mac, FHA, VA, and company-specific guidelines).
• Evaluate borrower income, assets, credit history, and collateral to determine loan eligibility.
• Review supporting documentation including tax returns, W-2s, pay stubs, bank statements, and credit reports.
• Ensure all loans meet internal and regulatory requirements (e.g., RESPA, TILA, HMDA).
• Issue conditional approvals, suspensions, or denials with clear, detailed explanations.
• Collaborate with loan officers, processors, and closers to obtain required documentation and resolve issues.
• Maintain knowledge of current underwriting guidelines, mortgage products, and investor requirements.
• Manage a pipeline of loans efficiently to meet service level agreements and closing deadlines.
• Participate in ongoing training and audits to ensure compliance and accuracy.

Qualifications

• 2–5 years of mortgage underwriting experience (conventional, FHA, VA, or jumbo).
• DE/SAR/LAPP certification preferred for government loan programs.
• Strong analytical and decision-making skills with attention to detail.
• Excellent written and verbal communication abilities.
• Ability to work independently in a fast-paced environment with strict deadlines.

Requirements

• Adopts NEOs values in work behavior, decision making, contributions and interpersonal interactions.
• Promotes interdepartmental communication and culture.
• Lead, develop and motivate the team across all locations and operational functions.
• Continued focus to ensure all families (Internal and External) are receiving the best possible service.

Benefits

• Day One Coverage – Your benefits begin on your first day, so you’re supported from the start.
• Nationwide Medical, Dental & Vision Coverage – Comprehensive plans that travel with you, wherever you are.
• Mental Health Support When You Need It – Immediate access to virtual therapy with licensed providers for you and your eligible dependents (ages 6+), with your first few visits covered at no cost!
• Health Savings Account (HSA) – Includes an employer contribution to help you plan for healthcare expenses.
• Employer-Funded Dependent Care FSA – Support for childcare and/or dependent care costs.
• Disability & Life Insurance – Provided at no additional cost to give you added peace of mind.
• Flexible PTO – Time off when you need it, so you can recharge and focus on what matters most.
• Extra Perks & Discounts – Including pet insurance, savings programs, and more to support life beyond work.