Mortgage Underwriter

Mortgage Underwriter Southeast Mortgage of Georgia - 1.0 Duluth, GA Job Details Full-time $75,000 - $90,000 a year 1 day ago Benefits Health savings account Health insurance On-site gym Dental insurance 401(k) Paid time off Vision insurance Life insurance Qualifications Income verification (loan underwriting) Financial forecasting Cash flow analysis Financial model construction Compliance with loan regulations Underwriting Financial model development Credit risk assessment Regulatory compliance Financial software Financial performance report preparation Financial fraud detection Mortgage industry Analysis skills Math Attention to detail Financial concepts

TILA FHA

Direct Endorsement Certification Portfolio management Accounting standards Data collection Quantitative analysis Senior level Loan document verification Quantitative research Communication skills Tax experience Negotiation Regulatory compliance management Credit analysis Full Job Description Overview We are seeking a detail-oriented and analytical Mortgage Underwriter to join our dynamic team. In this role, you will be responsible for evaluating mortgage applications and determining the creditworthiness of potential borrowers. Your expertise in risk analysis and financial concepts will be crucial in making informed decisions that align with our lending guidelines. The ideal candidate will possess strong negotiation skills and a deep understanding of financial services, ensuring that all underwriting processes are conducted efficiently and accurately. Responsibilities Review and analyze mortgage loan applications, including credit reports, income documentation, and asset verification. Conduct thorough risk analysis to assess the likelihood of borrower repayment. Utilize financial modeling techniques to evaluate cash flow and overall financial health of applicants. Perform quantitative research to support underwriting decisions and identify potential risks. Collaborate with loan processors to ensure all necessary documentation is collected and verified. Prepare detailed financial reports outlining findings and recommendations for loan approvals or denials. Monitor compliance with regulatory requirements and internal policies throughout the underwriting process. Engage in fraud prevention and detection efforts by identifying red flags in applications. Maintain up-to-date knowledge of industry trends, mortgage servicing practices, and technical accounting standards. Requirements Proven experience in underwriting, loan origination, or related financial services roles. Strong understanding of financial concepts including credit analysis, equity research, and portfolio management. Proficiency in data collection and financial analysis techniques, with a focus on cash flow analysis. Excellent math skills with the ability to perform complex calculations accurately. Familiarity with financial software tools used in mortgage processing and underwriting. Demonstrated ability to conduct forecasting and quantitative analysis effectively. Knowledge of accounting principles as they relate to mortgage lending practices. Strong communication skills for effective negotiation with clients and stakeholders. Attention to detail with a commitment to maintaining high standards of accuracy in all work. Experience in tax-related issues is a plus. Join us as we strive to provide exceptional service while ensuring sound lending practices. Your expertise will play a vital role in our commitment to responsible lending.

Job Type:

Full-time Pay:

$75,000.00 - $90,000.00 per year

Benefits:

401(k) Dental insurance Health insurance Health savings account Life insurance On-site gym Paid time off Vision insurance

Experience:

mortgage underwriting: 5 years (Required)

License/Certification:

DE Certification (Preferred) SAR Designation (Preferred)

Work Location:

Hybrid remote in Duluth, GA 30096