Mortgage Underwriter II
$55,890–$59,384 year
On-site · West Chester, Ohio, United States
Job Summary
Mortgage Underwriter II is responsible for reviewing and underwriting mortgage loans, identifying and evaluating loan risks and compensation factors, and ensuring marketability and regulatory compliance of loans. The role approves, suspends, or denies loan applications, communicates required conditions to Mortgage department staff, and performs underwriting in line with program requirements, secondary market standards, FHLB guidelines, and Credit Union policies. Responsibilities include verifying two years of employment history, analyzing income (wages, overtime, bonuses, commissions), reviewing tax returns and self-employed income, assessing credit reports and debt obligations, evaluating assets and reserves, and ensuring closing conditions are met. Proficiency with conventional/secondary underwriting, TRID, AUS, and related systems is required, along with experience in underwriting processes, appraisals, and related documentation (divorce decrees, Lien releases, etc.). Strong analytical, numerical, communication, and detail-oriented skills are essential.
Required Qualifications
- A minimum of one of the following: (1) A two-year college degree, or (2) completion of a specialized certification, or (3) completion of specialized training courses conducted by vendors, or (4) job-specific skills acquired through an apprenticeship.
- Completion of 24-hours of mortgage underwriting training and successful passing of proctored exam for NAMU-CMMU certification.
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