Mortgage Underwriter
$1,040,000–$1,040,000 year
HybridNewark, Ohio, United States
Job Summary
Approve saleable loans by the next day using information from Mortgage Specialists, making underwriting decisions based on risk assessment and the 4 C's of Capacity, Credit, Collateral, and Cash. Monitor the pipeline daily and self-assigned preapprovals while maintaining knowledge of investor programs, overlays, and specific loan types including FNMA, FHLMC, FHA, and USDA/VA. Deliver high-quality service with 24-hour turn times and timely updates, analyze loan quality issues, and uphold strict fraud prevention and ethical standards. Work independently with minimal supervision, adapt to changing daily priorities, and assist colleagues as needed to support team goals.
Required Qualifications
- Bachelor's Degree in Business, Finance, or related field
- Minimum HS diploma or equivalent
- Minimum of 2 years' DE Underwriting experience with conventional and FHA loans
- Proficient in Microsoft Word, Excel, and Outlook
- Experience with an electronic mortgage processing systems
- 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
- Ability to work independently with minimal supervision
- Ability to manage high-stress situations and work overtime as needed
Desired Qualifications
- Bachelor's Degree in Business, Finance, or related field (preferred)
- USDA/VA experience
- Experience with Encompass
- Knowledge in USDA & VA loan programs
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