• High school diploma or equivalent
• Minimum 5 years of recent underwriting experience required.
• Minimum 2-3 years of training and/or leadership experience preferred.
• Ability to underwrite FHA and VA loans by having active government designation.
• Experience underwriting various other types of loans including Conventional, Bond, USDA, Jumbo, Non-QM, and Construction. Additionally, Condo warrant review experience preferred.
• Ability to analyze complex personal and business returns/financial, P&L, and cash flow, gather relevant information and make appropriate recommendations.
• Independently research credit policy and communicate (written and verbally) a clear and precise credit policy interpretation.
• Strong analytical skills with a focus on finding solutions.
• Identify strengths, weaknesses, and mitigating factors for assigned loan files.
• Ability to structure loans appropriately for sale on the secondary market.
• Extensive knowledge of secondary market (Fannie/Freddie) guidelines.
• Ability to assume responsibility for loan decisions and maintain accountability for decisions made.
• Good personal organization and time management skills with ability to multi-task.
• Strong written and verbal commination skills – must be able to clearly and effectively communicate decisions to originators, processors, auditors, and others.
• Detailed- oriented, self-starter with ability to work with all of mortgage to accomplish and support department goals.
• Encompass experience preferred.
• Participate in all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc.

• Responsible for researching and interpreting guidelines and credit policy and communicating the decision with excellent verbal and written communication skills.
• Provides accurate decisions regarding complicated borrower scenarios, income or credit issues/questions, etc that are submitted into the underwriting support inbox.
• Offer alternative solutions to provide financing for the borrower when applicable.
• As needed, will assist the UW team by underwriting Conventional, FHA, VA, USDA, Portfolio and Special Program loans to verify for completeness, accuracy, and compliance.
• Develops and maintains an up to date and sound knowledge of multiple loan product guidelines offered by the company, DU/LP guidelines, and risk assessment tools used to decision mortgage loans.
• Demonstrates proficiency in automated underwriting systems (DU, LP).
• Reworks loans to new terms, identifies additional conditions as needed to ensure a viable credit decision is made.
• Maintains a sound knowledge of secondary market activity, practices, and business/industry practices as they impact underwriting quality and origination activity.
• Responsible for the daily oversight of the Service Desk teammates and ensuring the team is meeting all goals and responsibilities that fall under that role.
• Maintains pre-established service level standard of decisions timeframes set by the company with minimal supervision for all responsibilities.
• Ability to function in an ever-changing environment and able to underwrite a variety of loan types with speed and accuracy.
• Communicates regularly with the sales team, processors, management and others as needed.
• Professional, friendly, courteous, positive, collaborative, and client-centric spirit.
• Responsible for creating training for new teammates and on-going training for all operational roles, including new product roll out.
• Provide feedback to leadership on challenges and assist in implementing solutions.
• Assist in underwriting difficult loans with other underwriters.
• Ability to sign off on or override other underwriter’s conditions.