Independently underwriting a wide range of mortgage loans, including FHA, VA, USDA, and conventional products, while ensuring compliance, risk assessment, and sound decision‑making based on both AUS and manual analysis.
Ensure all loan files meet HUD, FHA, investor, regulatory, and internal guidelines and overlays.
Review and analyze credit, income, assets, and collateral documentation to determine loan eligibility; Inquire about any additional information needed to determine loan risk.
Ensure that once all information is received it is accurate, it meets compliance standards, and it aligns with company policies.
Communicate and document reasons for approval or rejection of loans so clients and loan officers are well‑informed of decisions.
Collaborate with internal operations team members, clients, and brokers to gather necessary documentation, clarify information, and ensure smooth processing of loan applications.

Requirements

5+ years of mortgage underwriting experience or mortgage lending experience required.
Active DE/CHUMS and LAPP/SAR certification required.
2+ years’ experience with manual underwrites.
High school diploma required; college degree preferred.
Understanding of compliance standards, including federal regulations (e.g., RESPA, TILA, and Dodd-Frank) and company policies.
Knowledgeable in automated underwriting systems and Microsoft office.
Recent experience with wholesale underwriting.
Proficiency with Encompass loan origination system preferred.

Core Competencies

Demonstrates extensive mortgage underwriting expertise, ensuring compliance with federal regulations and company policies while effectively assessing loan eligibility and risk. Proficient in utilizing automated underwriting systems and collaborating with various stakeholders to facilitate smooth loan processing.

Highest-signal resume keywords

Mortgage Underwriting Experience
DE/CHUMS Certification
LAPP/SAR Certification
Manual Underwriting Experience
Compliance Standards Knowledge

ATS Optimization Keywords

Hard Skills

Risk Assessment
Loan Eligibility Analysis
Credit Review
Income Analysis
Asset Evaluation
Collateral Documentation Review
Automated Underwriting Systems
Wholesale Underwriting
Compliance Standards Understanding
Decision‑Making

Soft Skills

Communication
Collaboration
Documentation

Certifications & Qualifications

DE/CHUMS Certification
LAPP/SAR Certification

Industry Keywords

FHA Loans
VA Loans
USDA Loans
Conventional Loans
HUD Guidelines
RESPA
TILA
Dodd-Frank

Tools & Technologies

Encompass Loan Origination System
Microsoft Office

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