Description The Mortgage Underwriter is responsible for reviewing and evaluating residential mortgage loan applications to determine borrower creditworthiness, collateral value, and overall compliance with investor, agen…
Skills: Residential Mortgage Underwriting, FHA Direct Endorsement, VA Staff Appraisal Reviewer, Financial Analysis, Credit History Analysis
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Full-time
Posted 39d ago
~40 hrs/week
Responsibilities
The Mortgage Underwriter evaluates residential loan applications to determine borrower creditworthiness and collateral value. They ensure all loans comply with investor, agency, and company guidelines while maintaining risk integrity.
Requirements
Candidates must have at least 5 years of residential mortgage underwriting experience and hold active FHA DE and VA SAR designations. Proficiency in Encompass, DU, and LPA is required.
Full job description
Description
The Mortgage Underwriter is responsible for reviewing and evaluating residential mortgage loan applications to determine borrower creditworthiness, collateral value, and overall compliance with investor, agency, and company guidelines. This role requires thorough analysis, sound judgment, and strict adherence to regulatory requirements to ensure high-quality loan decisions.
Requirements
Evaluate and underwrite complex residential mortgage loans (Conventional, FHA, and VA) in strict compliance with agency and investor guidelines.
Utilize your CHUMS ID and SAR authority to review, sign off on, and issue clear approvals or denials on government files.
Analyze complicated financial profiles, including self-employed borrowers, complex tax returns, asset statements, and comprehensive credit histories.
Assess property appraisals to verify market value and ensure collateral meets risk requirements.
Collaborate efficiently with local processors and loan officers to resolve complex file conditions while maintaining absolute risk integrity.
Qualifications
Experience: Minimum of 5+ years of active residential mortgage underwriting experience with a regional or national lender.
Designations: Active FHA Direct Endorsement (DE) with CHUMS ID and VA Staff Appraisal Reviewer (SAR) status are strictly required.
Technology: High proficiency operating Encompass or similar core Loan Origination Systems (LOS), as well as Desktop Underwriter (DU) and Loan Product Advisor (LPA).
Location: Must reside within commuting distance of our Georgia office to accommodate the hybrid weekly schedule.
License Information:
NMLS #103956
Georgia Residential Mortgage Licensee #6578
Alabama Mortgage Lender License #21610
Florida Mortgage Lender License #MLD718
Mississippi Mortgage Lender License #103956
North Carolina #L-180587
South Carolina BFI Lender/Servicer #MLS-103956
Tennessee MLS #168644
We are your Georgia Mortgage Specialists. We understand that your home loan is one of the largest transactions you can make and you deserve great service. We specialize in Georgia home loans, but also serve Alabama, Florida, Mississippi, North Carolina, South Carolina and Tennessee. We can also assist and guide you through the FHA loan and VA loan process. Our HUD Direct Endorsed Title II certification allows us to approve, underwrite, and fund your loans to ensure there are no issues at the closing table.
Are you looking to buy a home? Refinance your current loan? At Southeast Mortgage, you can use our online tools to learn more about home loans and find the best loan options to suit your needs and goals. You can even begin the application process online! You can securely explore our site without any obligation.
At any point, feel free to email or call us regarding questions you may have. You can find our contact information at the bottom of each page. We are here to personally help you through the entire home financing process.
Offices: 3575 Koger Blvd., Suite 400, Duluth, Georgia 30096, US · 294 Highway 515 W, Suite 1, Blairsville, Georgia 30512, US · 314 Greeno Rd S, Suite B, Fairhope, Alabama 36532, US · 2700 Cumberland Pkwy SE, Suite 300, Atlanta, Georgia 30339, US · 820 Town Center Drive, Suite 120, Wilmington, NC 28405, US
Fixed Rate LoansAdjustable Rate MortgagesInterest Only LoansJumbo LoansFHA LoansVA LoansRate and Term/Cash Out RefinancingUSDA LoansRefinancingand Mortgage Loans
License Information:
NMLS #103956
Georgia Residential Mortgage Licensee #6578
Alabama Mortgage Lender License #21610
Florida Mortgage Lender License #MLD718
Mississippi Mortgage Lender License #103956
North Carolina #L-180587
South Carolina BFI Lender/Servicer #MLS-103956
Tennessee MLS #168644
We are your Georgia Mortgage Specialists. We understand that your home loan is one of the largest transactions you can make and you deserve great service. We specialize in Georgia home loans, but also serve Alabama, Florida, Mississippi, North Carolina, South Carolina and Tennessee. We can also assist and guide you through the FHA loan and VA loan process. Our HUD Direct Endorsed Title II certification allows us to approve, underwrite, and fund your loans to ensure there are no issues at the closing table.
Are you looking to buy a home? Refinance your current loan? At Southeast Mortgage, you can use our online tools to learn more about home loans and find the best loan options to suit your needs and goals. You can even begin the application process online! You can securely explore our site without any obligation.
At any point, feel free to email or call us regarding questions you may have. You can find our contact information at the bottom of each page. We are here to personally help you through the entire home financing process.
Offices: 3575 Koger Blvd., Suite 400, Duluth, Georgia 30096, US · 294 Highway 515 W, Suite 1, Blairsville, Georgia 30512, US · 314 Greeno Rd S, Suite B, Fairhope, Alabama 36532, US · 2700 Cumberland Pkwy SE, Suite 300, Atlanta, Georgia 30339, US · 820 Town Center Drive, Suite 120, Wilmington, NC 28405, US
Fixed Rate LoansAdjustable Rate MortgagesInterest Only LoansJumbo LoansFHA LoansVA LoansRate and Term/Cash Out RefinancingUSDA LoansRefinancingand Mortgage Loans