Mortgage Underwriter

Zentech Consulting; Clearwater (FL); Hybrid; USD 72,000 - 90,000; Full time

Benefits offered by this job

Full benefit package

Quarterly bonuses

Job summary

Zentech Consulting is seeking a Mortgage Loan Underwriter responsible for evaluating mortgage loan files in Clearwater, Florida. This role requires a strong understanding of regulatory and market changes, and ideal candidates will possess superior time-management and communication skills.

The underwriter will complete loan file analysis, make independent loan decisions, and mentor processing staff. The position offers a starting salary of $36.00/hr along with a full benefit package and quarterly bonuses.

Qualifications

• 2 years’ experience underwriting with strong credit, collateral, and risk analysis background preferred.
• FHA, VA designations preferred.
• Excellent verbal and written communication skills.

Responsibilities

• Complete thorough analysis of mortgage loan files to determine compliance.
• Make and issue independent compliant loan decisions.
• Maintain working knowledge of agency and investor guidelines.

Skills

Analytical decision-making

Problem-solving abilities

Strong communication skills

Credit analysis

Risk analysis

Job description

The Mortgage Loan Underwriter position is responsible for underwriting Conventional, FHA, and VA loans following established company, agency and investor guidelines. The underwriter evaluates mortgage loan files and assesses risk based on compliance, agency, investor, and company guidelines to ensure salability with minimal loss. Individuals in this role are required to keep current with regulatory and market changes. Ideal candidates will be service‑focused with superior time‑management and communication skills, have the ability to multi‑task.

Key Responsibilities

• Complete thorough analysis of mortgage loan files to determine compliance with agency, company and investor guidelines to ensure salability of closed loans
• Review resubmitted files and documents
• Make and issue independent compliant loan decisions
• Maintain company service level and turn‑time standards
• Respond to audits and post‑closing issues in a timely manner
• Maintain working knowledge of agency and investor guidelines and policies
• Mentor processing staff on underwriting deficiencies and calculation errors
• Other duties as assigned

Compensation

• Initial hours 9‑5 + OT at month end. Ability to work from home after 6 months (with one day a week in office).
• Starting salary begins at $36.00/hr+ based on credentials and interview
• Quarterly bonuses offered
• Full benefit package offered

Qualifications

• 2 years’ experience underwriting with strong credit, collateral, and risk analysis background preferred
• FHA, VA designations preferred
• Strong analytical decision‑making and problem‑solving abilities
• Demonstrated success in a fast‑paced, high‑stakes environment
• Excellent verbal and written communication skills

All your information will be kept confidential according to EEO guidelines.