Underwriter

Underwriter Mountain West Financial, LLC - 3.9 Sandy, UT Job Details Full-time $36.06 - $42.27 an hour 20 hours ago Qualifications Federal Housing Administration (FHA) loans Conventional mortgage loans High school diploma or

GED Full Job Description Position Description:

Summary:

The EEP Underwriter is responsible for evaluating mortgage loan applications to determine creditworthiness, compliance with both internal and agency guidelines, and overall risk. Essential Functions & Responsibilities Analyze and underwrite mortgage loan applications. Review income, assets, credit reports, property appraisals, and all supporting documentation to assess borrower eligibility and risk. Ensure loan files meet internal, agency, and regulatory requirements. Apply appropriate internal and FHA guidelines to make informed decisions on loan approvals, suspensions, or denials. Clearly document underwriting decisions, including conditions required for final approval or closing. Communicate underwriting decisions effectively to loan processors, correspondent lenders, and management. Assist with clearing conditions and final approval processes, ensuring timely closings. Maintain knowledge of current underwriting guidelines, mortgage industry trends, and regulatory changes. Participate in quality control reviews, audits, and training as needed. Contribute to a positive team environment with a focus on efficiency, accuracy, and excellent customer service. Performance Measurements Possess excellent written and verbal communication skills. Strong knowledge of mortgage loan products and agency guidelines. Proficiency in loan origination software and Microsoft Office Suite. Excellent organizational, time-management, and multitasking skills. Strong attention to detail and problem-solving abilities. Ability to thrive in a fast-paced, deadline-driven environment. Ability to think outside the box to make decisions based on overall credit risk profile Knowledge, Skills and Abilities Experience Minimum of 3 years of recent mortgage underwriting experience, including Conventional and FHA loans required. Experience underwriting non-QM and portfolio loans preferred. Education A high school diploma or equivalent is required. A Bachelor's degree is preferred. This position is bonus eligible. A pathway to FHA Direct Endorsement training is available