Mortgage Underwriter

📋 Description

• The Mortgage Underwriter analyzes, evaluates, and underwrites residential mortgage loan
• Review and underwrite mortgage loan applications (Conventional, Non-QM, DSCR).
• Analyze borrower credit, income, assets, employment history, and collateral to determine
• Evaluate alternative documentation programs (bank statements, asset depletion, ITIN, 1099, P&L).
• Calculate DSCR and perform income and risk analyses.
• Ensure compliance with Fannie Mae, Freddie Mac, ATR/QM, TRID, RESPA, TILA, HMDA and related

🎯 Requirements

• Bachelor's degree in Finance/Business/Economics or related field; equivalent experience acceptable.
• 2–5 years mortgage underwriting experience (Conventional and/or Non-QM).
• Strong knowledge of underwriting guidelines (Fannie Mae, Freddie Mac).
• Experience with Non-QM products (DSCR, alternative documentation).
• Proficiency with LOS, AUS (DU/LP), and e-document management systems.
• Analytical, detail-oriented, with strong communication skills.

🎁 Benefits

• Full-time position in an on-site office environment.
• Collaborative work with loan officers, processors, and management.
• Immediate joiner and US rotation night shifts as applicable.