Impactful Underwriter - Character-Based Mortgage Expert

Neighborhood Assistance Corp. Of America; Atlanta (GA); On-site; USD 50,000 - 60,000; Full time

Benefits offered by this job

Health, Vision & Dental PPO

70% employer health contribution

401(k)

Job summary

Neighborhood Assistance Corp. Of America (NACA) is seeking an experienced Underwriter to review 10+ member files daily and apply character-based underwriting to determine readiness for homeownership.

The role involves documenting decisions with detailed narratives and coordinating with NACA Counselors to ensure complete qualifications. The position is non-exempt, offers overtime, and rewards performance with opportunities up to $75k+ total compensation based on experience and responsibilities.

Qualifications

• 3+ years of mortgage residential underwriting or similar experience – Required
• Experience analyzing complex income, assets and credit – Required
• Underwriting using character-based criteria and compensating factors – Preferred
• Education, training, or teaching experience – Preferred
• Work with low- to moderate-income individuals and communities – Required

Responsibilities

• Review 10+ files daily with high quality standards and adhere to policies
• Understand and apply NACA underwriting guidelines and policies
• Provide guidance to NACA Counselors for next steps in Qualification
• Document decisions with comprehensive narratives and supporting data

Skills

Mortgage underwriting

Income & assets analysis

Credit analysis

Communication skills

Education

Bachelor’s degree or offsetting work experience

HUD-certified housing counselor

SAFE Act training (20 hours)

NMLS National exam

Job description

Neighborhood Assistance Corp. Of America (NACA) is seeking an experienced Underwriter to review 10+ member files daily and apply character-based underwriting to determine readiness for homeownership.

The role involves documenting decisions with detailed narratives and coordinating with NACA Counselors to ensure complete qualifications. The position is non-exempt, offers overtime, and rewards performance with opportunities up to $75k+ total compensation based on experience and responsibilities.