Mortgage Underwriter

Epm; Deutschland; Vor Ort; EUR 60.000 - 100.000; Vollzeit

Zusammenfassung

Jobtailor in Germany is seeking an experienced mortgage underwriter to assess and approve a wide range of loan products, including FHA, VA, USDA, and conventional loans, while ensuring compliance and risk management.

You will review credit, income, assets, and collateral, collaborate with brokers and clients, and ensure files meet HUD/FHA and investor guidelines, with a focus on accurate, compliant decisions.

Qualifikationen

• 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.

Aufgaben

• 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.

Kenntnisse

Risk Assessment

Loan Eligibility Analysis

Credit Review

Income Analysis

Asset Evaluation

Collateral Documentation Review

Automated Underwriting Systems

Wholesale Underwriting

Compliance Standards Understanding

Decision‑Making

Ausbildung

High school diploma

College degree preferred

Tools

Encompass Loan Origination System

Microsoft Office

Jobbeschreibung

• 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