Analyze residential mortgage applications using financial documentation and credit assessment skills; working arrangements depend on team and employment terms.
HR Service Jobs seeks a Mortgage Underwriter to assess borrower eligibility and lending risk. The work includes reviewing income, employment, debts, assets, liabilities, credit reports, and property valuations. You will apply lending policies, regulatory requirements, and risk management guidelines while coordinating with processors, loan officers, brokers, and valuation professionals.
Key Responsibilities:
- Review applications against eligibility criteria and underwriting standards
- Verify income, employment, assets, liabilities, and supporting documents
- Evaluate creditworthiness, affordability, debt-to-income, and loan-to-value measures
- Identify discrepancies, incomplete records, and potential fraud indicators
- Approve, refer, conditionally approve, suspend, or recommend declines
Requirements:
- Preferred bachelor's degree in finance, accounting, banking, economics, or business
- Mortgage, banking, credit analysis, or financial services experience preferred
- Knowledge of lending principles, credit assessment, and mortgage documentation
- Proficiency with Microsoft Excel, Word, email, and document systems
- Strong analytical thinking, numerical accuracy, judgment, and confidentiality
Apply mortgage analysis, documentation review, and evidence-based judgment to support accurate, compliant residential lending decisions.
Mortgage Underwriter Lending Assessment employer: HR Service Jobs
At HR Service Jobs, we pride ourselves on being an exceptional employer that champions a flexible and inclusive remote work culture. Our commitment to employee growth is evident through comprehensive professional development opportunities and a supportive environment where your contributions directly influence our people strategy. Join us to be part of a dynamic team that values innovation and collaboration, all while enjoying the benefits of a competitive salary and a healthy work-life balance.
