Underwriter

**Job Description:** As a Mortgage Underwriter, you will play a crucial role in the mortgage lending process by assessing the creditworthiness and risk profile of potential borrowers. You will be responsible for analyzing financial information, reviewing loan applications, and making informed decisions to approve, conditionally approve, or deny mortgage loans. Your role is essential in ensuring that all loans meet the company's lending standards and regulatory requirements. **Key Responsibilities:** - **Loan Application Review:** - Analyze and verify loan applications, ensuring all required documents are complete and accurate. - Assess the borrower's credit history, employment, income, and debt levels. - Confirm the property's value through appraisal reports. - **Credit and Financial Analysis:** - Evaluate credit reports to determine the borrower's creditworthiness. - Calculate debt-to-income (DTI) ratios and loan-to-value (LTV) ratios. - **Property Valuation Review:** - Review appraisals and alternative value products for conformity to client-specified requirements to assess the accuracy of the property valuation. - **Compliance and Risk Assessment:** - Ensure loans comply with all federal, state, and local regulations. - Adhere to company policies and guidelines. - Identify potential risks and assess the overall risk level of the loan. **Qualifications Required:** - Any bachelor's degree. - Proven experience in mortgage processing or underwriting. - Strong knowledge of mortgage industry regulations and procedures. - Excellent analytical and problem-solving skills. - Detail-oriented with exceptional organizational abilities. - Proficiency in using mortgage processing software and financial tools. - Effective communication and interpersonal skills. - Ability to work efficiently under pressure and meet tight deadlines. - Solid understanding of financial statements and credit reports. - Certification in mortgage underwriting or related fields is a plus.,