Mortgage Underwriter
$72,073–$90,091 year
Remote · United States or Littleton, Massachusetts, United States
Job Summary
Underwrite first mortgage loans and home equity loans in accordance with investor, insurer, and regulatory guidelines, ensuring files are complete and compliant; evaluate borrower creditworthiness and collateral to determine loan eligibility and overall risk; approve, suspend, or deny based on comprehensive risk analysis; use tools like Collateral Underwriter and fraud prevention to meet legal and investor requirements; prepare commitment letters, clear loans for closing, review subordination requests, and support origination staff with preapprovals; stay current on investor and mortgage insurance guidelines and collaborate with internal teams to resolve complex loan issues and meet deadlines; maintain confidentiality of member and credit union information; contribute to timely decision-making and adherence to TRID for any changes in circumstance.
Required Qualifications
- 2-5 years of experience in secondary mortgage underwriting
- Knowledgeable in real estate lending guidelines and regulations including secondary market
- Skilled in evaluating borrower credit, collateral, and capacity in accordance with investor and regulatory guidelines
- Proficient in using loan origination systems (LOS) and automated underwriting systems (AUS)
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