Mortgage Underwriter

Guidance Residential, LLC; United States; On-site; USD 85,000 - 105,000; Full time

Benefits offered by this job

Medical, Dental, Vision

401K with match

Paid holidays and vacation

Job summary

Guidance Residential, LLC is seeking an experienced Underwriter to evaluate mortgage applications and determine compliance with investor guidelines. You will collaborate with the underwriting team to provide a customer-friendly experience while supporting internal and external customers.

The role requires five years of underwriting experience on conventional loans, strong guideline knowledge, and the ability to analyze complex transactions with attention to detail.

Qualifications

• Minimum five years of underwriting experience with conventional first mortgage loans.
• Knowledge of applicable Fannie Mae and Freddie Mac underwriting requirements and investor guidelines.
• Ability to independently analyze complex transactions and guideline questions.
• Excellent oral and written communication skills.
• Strong attention to detail and ability to identify discrepancies and risk issues.
• Ability to meet quality, compliance, and production expectations while managing workload.
• Accountability and commitment to ongoing learning and development.

Responsibilities

• Review and evaluate co-ownership applications for guideline compliance.
• Analyze income, assets, credit, collateral, occupancy, and overall risk.
• Conditionally approve, suspend, or recommend denial based on findings.
• Identify discrepancies and additional documentation needed.
• Document underwriting decisions clearly with actionable conditions.
• Maintain knowledge of Fannie Mae, Freddie Mac, and investor guidelines.
• Manage workload to meet quality, productivity, and service targets.
• Communicate with processors, sales staff, and management through file disposition.
• Perform other duties as assigned.

Skills

Underwriting expertise

Communication skills

Analytical thinking

Attention to detail

Workload management

Professional integrity

Continuous learning

Job description

Guidance Residential, LLC is a strong, growing company that specializes in residential mortgage lending. Our team members are a vital strength in our ability to grow and continue to serve our customers.

We currently have an opening for a full-time Underwriter, who will perform the full range of underwriting duties, including evaluating mortgage applications to determine if buyer, property, and conditions meet applicable investor guidelines. As a member of the underwriting team, the ideal candidate will collaborate with other members to provide a customer experience that is consistent with the goals of GR, as well as, meet the needs of the internal and external customers.

Essential Duties and Responsibilities

• Reviews and evaluates co-ownership applications to determine compliance with applicable investor and Company guidelines.
• Analyzes income, assets, credit, collateral, occupancy, and overall transaction risk to make sound underwriting decisions.
• Conditionally approves, suspends, or recommends denial of applications based on documented findings and applicable guidelines.
• Identifies discrepancies, potential risks, and additional documentation needed to support an underwriting decision.
• Clearly documents underwriting decisions and communicates conditions that are concise, actionable, and supported by applicable guidelines.
• Maintains current knowledge of Fannie Mae, Freddie Mac, investor, and Company guidelines and independently researches underwriting questions as needed.
• Manages assigned workload to meet established quality, productivity, and service expectations while maintaining accuracy and compliance.
• Communicates professionally with processors, sales staff, management, and other business partners and takes ownership of assigned files through final disposition.
• Performs other duties as assigned by management.

Requirements

• Minimum five years of underwriting experience with conventional first mortgage loans
• Comprehensive knowledge of applicable Fannie Mae and Freddie Mac underwriting requirements and investor guidelines
• Demonstrated ability to independently analyze complex transactions, research guideline questions, exercise sound underwriting judgment, and elevate only when a true guideline conflict, policy question, or business risk exists
• Excellent oral and written communication skills
• Strong attention to detail and ability to identify discrepancies, inconsistencies, documentation conflicts, and potential risk issues
• Ability to consistently meet established quality, compliance, and production expectations while managing workload independently
• Demonstrated accountability, professional integrity, and commitment to continuous learning and development

Aside from the requirements above, the ideal candidate will have a proven track record in exceptional follow-up and customer service, and must be able to prioritize multiple projects to ensure deadlines are met. Must also be able to demonstrate initiative and use independent judgment within Guidance's established guidelines and procedures.

We offer a competitive salary and a comprehensive benefits package including Medical, Dental, Vision, Flex Spending, Life/AD&D, STD, LTD, 401K with match, Student Loan Paydown, paid holidays and vacation.