Junior Mortgage Underwriter

GVC Mortgage is seeing a Junior Underwriter. A Junior Mortgage Underwriter assists in evaluating loan applications to determine creditworthiness and ensure compliance with company policies, investor guidelines, and regulatory requirements. This role supports senior underwriters by reviewing documentation, identifying risk factors, and helping ensure timely and accurate loan decisions. Key Responsibilities Review mortgage loan applications and supporting documentation (income, assets, credit reports, and property details). Analyze borrower financial information to assess risk and repayment ability. Ensure loans meet company guidelines, investor requirements, and regulatory standards (e.g., FHA, VA, Conventional). Identify missing or inconsistent information and request additional documentation when needed. Assist senior underwriters in making approval, suspension, or denial recommendations. Calculate debt-to-income (DTI) ratios and review loan-to-value (LTV) metrics. Verify accuracy of data entered into underwriting systems. Maintain detailed and organized loan files with clear documentation of decisions. Communicate with loan officers, processors, and other team members to resolve loan issues. Adhere to timelines and service-level agreements to support efficient loan processing. Stay up to date on underwriting guidelines, compliance standards, and industry changes. Required Qualifications Bachelor's degree in Finance, Business, Accounting, or related field (or equivalent experience). 0-2 years of experience in mortgage processing, underwriting support, or financial analysis. Basic knowledge of mortgage lending guidelines and loan programs. Familiarity with credit reports and financial statements. Strong analytical and problem-solving skills. High attention to detail and accuracy. Proficiency in Microsoft Office (Excel, Word, Outlook). Strong written and verbal communication skills. Preferred Qualifications Experience with underwriting systems such as DU (Desktop Underwriter) or LP (Loan Product Advisor). Knowledge of FHA, VA, USDA, and conventional loan guidelines. Exposure to compliance regulations (TRID, RESPA, etc.). Mortgage or banking industry experience. Key Skills Analytical thinking Attention to detail Time management Collaboration and teamwork Decision-making support Organization and documentation

Work Environment:

Usual office working conditions. Founded in 1996, GVC Mortgage, Inc. is a family-owned mortgage lender with over 30 retail branch locations operating across the Midwest. GVC Mortgage, Inc. is committed to equal opportunity in all employment practices to all qualified applicants and employees without regard to race, color, religion, gender, gender identity, age, national origin, pregnancy, disability, genetics, marital status, military or veteran status or any other protected category as established by local, state and federal law. This applies to all aspects of the employment relationship including recruitment and hiring, placement, promotion, transfer, compensation, disciplinary action, layoff, leaves of absence, training and termination. All such employment decisions will be made without unlawful discrimination based on any prohibited basis. While performing the duties of this job, the employee is regularly required to communicate, remain stationary, stand, walk, reach with hands and arms. The employee must occasionally lift and/or move 10 pounds. Close and distance vision is required with ability to see objects in presence of glare or bright lighting (e.g., computer screen).

Speech/Hearing:

Frequently interact with management, vendors, coworkers, industry constituents, clients, and the public. The essential functions, working conditions and physical demands described above are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of this position. GVC Mortgage, Inc. is an Equal Opportunity Employer. We offer competitive compensation and a comprehensive benefits package to benefits eligible employees including medical, dental, vision, group life insurance and 401K. NMLS#2334

Benefits:

401(k) 401(k) matching Dental insurance Health insurance Health savings account Vision insurance

Work Location:

Hybrid remote in Pendleton, IN 46064