Approve saleable loans with the information provided by the next day.
Underwrite all loans under FNMA, FHLMC, and FHA (may include USDA & VA) loan programs.
Monitor pipeline daily and self-assigned preapprovals.
Make underwriting decisions based on risk assessment, taking into consideration the 4 C’s of underwriting: Capacity, Credit, Collateral, and Cash.
Deliver high-quality service with 24-hour turn times and timely updates to Mortgage Specialists.
Analyze and report loan quality issues and monitor corrective actions.
Uphold strict fraud prevention, confidentiality and ethical standards set by Equity Resources.
Adapt to changing circumstances and adjusting daily priorities as needed.

Bachelor’s Degree in Business, Finance, or related field preferred (or equivalent combination of education and experience); minimum HS diploma or equivalent.
Minimum of 2 years’ DE Underwriting experience with conventional and FHA loans; USDA/VA experience a plus.
Proficient in Microsoft Word, Excel, and Outlook.
Experience with an electronic mortgage processing systems required (Encompass preferred).
Must reside in a state in which Equity Resources is currently licensed.
Excellent written and verbal communication and customer service skills.
Ability to comprehend and follow complex written and oral instructions.
Work independently with minimal supervision, applying sound judgment and attention to detail.
Ability to manage high-stress situations and work overtime as needed.

Mortgage Underwriter

Key skills