Mortgage Underwriter
Hybrid · Newark, Ohio, United States
Job Summary
Experienced mortgage underwriter sought to underwrite loans in FNMA/FHLMC/FHA (and may include USDA/VA) programs, maintain investor overlays, monitor pipeline, and deliver timely, high-quality service to Mortgage Specialists. Must have 2+ years of DE Underwriting experience (conventional/FHA; USDA/VA a plus) and a Bachelor’s degree in Business, Finance, or related field (or equivalent experience). Proficient in Word, Excel, Outlook; Encompass experience preferred. Requires residency in a state where Equity Resources is licensed. Hybrid remote work available for applicants near Central Ohio; structured in-office option at Newark, OH. Strong written/verbal communication, ability to work independently, manage high-stress situations, and maintain confidentiality and ethical standards. Responsibilities include approving saleable loans, assessing risk with the 4 Cs (Capacity, Credit, Collateral, Cash), delivering updates within 24-hour turn times, staying informed on investor overlays, and assisting other underwriters as needed.
Required Qualifications
- Bachelor’s Degree in Business, Finance, or related field preferred (or equivalent combination of education and experience)
- minimum HS diploma or equivalent
- Minimum of 2 years’ DE Underwriting experience with conventional and FHA loans; USDA/VA experience a plus
- Proficient in Microsoft Word, Excel, and Outlook; experience with an electronic mortgage processing systems required (Encompass preferred)
- Must reside in a state in which Equity Resources is currently licensed
- Excellent written and verbal communication and customer service skills
- Ability to comprehend and follow complex written and oral instructions
- Work independently with minimal supervision, applying sound judgment and attention to detail
- Ability to manage high-stress situations and work overtime as needed
- Knowledge of FNMA, FHLMC, FHA; USDA & VA loan programs preferred but not required
- Monitor pipeline daily and self-assigned preapprovals
- Underwrite loans and ensure 24-hour turn times
- Adapt to changing circumstances and adjust priorities
- Assist other Underwriters with daily volume
- Uphold fraud prevention and confidentiality standards
- Deliver high-quality service to Mortgage Specialists
- Knowledge of investor overlays
- Ability to explain loan decisions
- Ability to work in hybrid remote/in-office setting
- Newark, OH office operations
- Structured hybrid schedule
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