Mortgage Loan Underwriter

Mortgage Loan Underwriter Premier Mortgage Resources - 3.9 Meridian, ID Job Details Full-time $68,117.35 - $90,000.00 a year 8 hours ago Benefits Health savings account Employee stock purchase plan Health insurance Dental insurance Paid time off Employee assistance program Career development plan Vision insurance 401(k) matching 401(k) 2% match Professional development assistance Life insurance Referral program Qualifications Cash flow analysis Conventional mortgage loans Math Attention to detail FHA Direct Endorsement Certification Data collection

Negotiation Full Job Description Job Title:

Mortgage Loan Underwriter Department:

Underwriting Location:

Remote/On-site preferred (Meridian, ID)

Employment Type:

Full-Time DE Required.

SAR Preferred Position Summary:

PMR is looking for a Full-Time Mortgage Underwriter to underwrite mortgage loans that adhere to various agency underwriting policy and procedures. Additionally, responsible for answering questions and assist with problem solving with loan officers and processors, and respond to both internal and external QC audit findings in a timely and proficient manner. Responsible for providing efficient, timely, consistent, accurate quality loan decisions daily. Responsibilities Analyze mortgage loan applications by reviewing borrower financial data, credit reports, income documentation, and property details to determine eligibility. Conduct comprehensive risk assessments through data collection, cash flow analysis, and credit analysis to identify potential issues or fraud indicators. Apply underwriting guidelines and financial modeling techniques to evaluate borrower capacity, ensuring adherence to regulatory standards and internal policies. Collaborate with loan officers, borrowers, and external stakeholders to clarify application details, negotiate terms where appropriate, and facilitate smooth loan processing. Maintain meticulous records of all loan evaluations, supporting documentation, and compliance checks for QC audit readiness. Experience 3 years underwriting experience FHA/Conventional Mandatory VA/USDA highly preferred Multi state highly preferred Ability to effectively communicate Ability to calculate income via W-2/Tax Returns Proven experience in mortgage loan underwriting or a related financial services role Familiarity with banking operations, loan origination processes, and mortgage servicing practices Capable of working under pressure and meeting strict deadlines on a consistent basis A solid foundation in math, financial analysis, forecasting methods, and credit analysis principles Ability to work with a diverse client base (Loan Originators, processors etc) Detail Oriented Adept at working in a high volume, fast paced environment General experience with the following products: Byte Loan Origination Software, Microsoft365, and

Excel Pay:

$68,117.35 - $90,000.00 per year

Benefits:

401(k) 2% match Dental insurance Employee assistance program Employee stock purchase plan Health insurance Health savings account Life insurance Paid time off Professional development assistance Referral program Vision insurance

Work Location:

In person