Underwriter (Base Salary Plus Strong Incentive Plan)

Compensation Range: $22 - $26.50/hourly plus strong incentive plan Job Overview: As a Mortgage Underwriter, you will play a critical role in our mortgage lending team, responsible for evaluating and underwriting mortgage loan applications to ensure adherence to company policies, regulatory guidelines, and investor requirements. With a focus on accuracy, quality, and customer service, you will assess borrowers' financial profiles, property information, and loan documentation to make informed lending decisions. Your expertise in underwriting will contribute to the success of our loan origination process and the satisfaction of our borrowers. Key Responsibilities: Review and analyze mortgage loan applications, credit reports, income documentation, and property appraisals to assess borrower eligibility and loan risk. Evaluate borrowers' financial profiles, including debt-to-income ratio, credit history, and employment stability, to determine loan approval or denial. Ensure compliance with company policies, regulatory requirements (such as TILA, RESPA, and Fair Lending), and investor guidelines throughout the underwriting process. Communicate lending decisions to Loan Officers, borrowers, and other stakeholders in a clear and timely manner, providing explanations for any conditions or stipulations. Collaborate with Loan Processors, Loan Officers, and other team members to resolve issues, address conditions, and facilitate loan closings. Maintain a high level of accuracy and attention to detail in underwriting documentation and loan files, ensuring completeness and consistency. Provide exceptional customer service by responding to borrower inquiries, providing status updates, and guiding them through the underwriting process with professionalism and empathy. Stay informed about industry trends, regulatory changes, and best practices in mortgage underwriting to continuously improve knowledge and skills. Minimum Qualifications: Cultivate and nurture client relationships while delivering exceptional customer service. Preferably possess a minimum of two years of experience. Will receive training in analyzing Credit, Income, and Asset documentation. Familiarity with Encompass software is advantageous. Knowledge of the Manufactured Home Industry is a desirable asset. Demonstrated ability to multitask effectively. Exhibit a strong work ethic. Proficient in Microsoft Office suite. Possess strong problem-solving abilities. Attention to detail and accuracy in tasks. Excellent verbal and written communication skills. Capability to work both independently and collaboratively in a team environment. PM22