The Mortgage Underwriter decisions mortgage loans and follow established lending policies and procedures. Development in this role is progressive and begins with Mortgage Underwriter I, which involves mastering underwriting conventional loans to agency guidelines and portfolio loans to Bank guidelines. All Mortgage Underwriters are multi-functional, customer-oriented individuals who rely on instructions and pre-established procedures to perform the functions of this job. They work under the immediate supervision of the Mortgage Support Manager.
Mortgage Underwriter Duties & Responsibilities 1
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Mortgage Underwriter Requirements & Skills 1
Mortgage Underwriter Job summary 2
The Mortgage Underwriter is responsible for risk mitigation for all mortgage lending products. The Mortgage Underwriter will perform risk reviews on all mortgage applications ensuring that the applications meet portfolio and/or secondary market guidelines. The Mortgage Underwriter will recommend approval/denial on applications that do not meet portfolio and/or secondary market guidelines. The Mortgage Underwriter will professionally communicate with appropriate parties to obtain or clarify information necessary to accurately assess risk and deliver a loan decision.
Mortgage Underwriter Duties & Responsibilities 2
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Mortgage Underwriter Requirements & Skills 2
Mortgage Underwriter Job summary 3
The Mortgage Underwriter must possess the ability to analyze information from multiple sources to perform a thorough evaluation and assessment of each borrower. She/he will identify the risk associated with each mortgage loan and provide sound lending decisions.
Mortgage Underwriter Duties & Responsibilities 3
Mortgage Underwriter Requirements & Skills 3
Mortgage Underwriter Job summary 4
As a Mortgage Underwriter you will be the financial expert that assesses Company’s financial risk on a potential borrower and is ultimately responsible for approving or denying mortgage loans. The primary function of our Underwriters is facilitating the underwriting function to ensure continuous production of business products that are compliant with all regulations of law and internal company principles.
Mortgage Underwriter Duties & Responsibilities 4
Mortgage Underwriter Requirements & Skills 4
Mortgage Underwriter Job summary 5
The Mortgage Underwriter is responsible for underwriting mortgage loan files to secondary market investor(s) and Bank loan guidelines. Ensuring all files are of high credit quality and compliant to all federal and state regulations.
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Mortgage Underwriter Requirements & Skills 5
Mortgage Underwriter Job summary 6
The Mortgage Underwriter will be responsible for but not limited to the underwriting of Mortgages along with the documents provided for them and ensuring compliance with appropriate company guidelines.
Mortgage Underwriter Duties & Responsibilities 6
Mortgage Underwriter Requirements & Skills 6
Mortgage Underwriter Job summary 7
The Mortgage Underwriter is responsible for approving or denying mortgage loans while following credit union policies and procedures.
Mortgage Underwriter Duties & Responsibilities 7
Mortgage Underwriter Requirements & Skills 7
Mortgage Underwriter Job summary 8
The Mortgage Underwriter reviews residential loan packages for compliance with regulatory, investor, bank and agency guidelines and makes credit decisions.
Mortgage Underwriter Duties & Responsibilities 8
Mortgage Underwriter Requirements & Skills 8