Mortgage Underwriter

Ascendo Resources; Miami (FL); On-site; USD 70,000 - 80,000; Full time

Benefits offered by this job

Medical insurance

Vision insurance

401(k)

Job summary

A growing banking team in Miami seeks an experienced Residential Mortgage Underwriter to evaluate mortgage applications and ensure compliance with lending guidelines. The ideal candidate has over 3 years of underwriting experience and a strong understanding of regulatory requirements. This full-time role offers a salary range of $70,000-$80,000 along with annual bonuses and benefits including medical and vision insurance.

Qualifications

• 3+ years of experience in residential mortgage underwriting.
• Strong understanding of mortgage lending regulations.
• Ability to interpret complex financial information.

Responsibilities

• Evaluate residential mortgage applications.
• Analyze financial documents for accuracy.
• Communicate lending decisions clearly.

Skills

Credit assessment

Financial document analysis

Attention to detail

Communication skills

Regulatory knowledge

Education

Bachelor's degree in finance or a related field

Tools

Underwriting software

Microsoft Office

Job description

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This range is provided by Ascendo Resources. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.

Base pay range

$70,000.00/yr - $80,000.00/yr

Additional compensation types

Annual Bonus

We are seeking a detail-oriented and experienced Residential Mortgage Underwriter to join a growing banking team in Miami. The Residential Underwriter plays a crucial role in assessing the creditworthiness of residential mortgage applications and ensuring compliance with internal policies, regulatory requirements, and industry standards.

Responsibilities:

• Evaluate residential mortgage applications to determine creditworthiness, including but not limited to assessing income, assets, liabilities, credit history, and property valuation.
• Analyze financial documents such as tax returns, pay stubs, bank statements, and credit reports to verify accuracy and completeness.
• Review appraisal reports, title commitments, and other relevant documentation to assess property value and ensure compliance with lending guidelines.
• Calculate debt-to-income ratios, loan-to-value ratios, and other financial metrics to assess risk and make informed lending decisions.
• Collaborate with loan officers, processors, and other stakeholders to obtain additional information and documentation as needed.
• Communicate lending decisions and underwriting requirements to loan originators and borrowers in a clear and timely manner.
• Stay updated on industry trends, regulatory changes, and best practices related to residential underwriting.

Qualifications:

• Bachelor's degree in finance, accounting, business administration, or a related field.
• 3+ years of experience in residential mortgage underwriting, preferably in a banking or financial services environment.
• Strong understanding of mortgage lending regulations, including but not limited to TRID, RESPA, and FHA/VA guidelines.
• Proficiency in using underwriting software and tools, as well as Microsoft Office applications.
• Excellent analytical skills with the ability to interpret complex financial information and make sound underwriting decisions.
• Exceptional attention to detail and accuracy in documentation and data analysis.
• Effective communication skills, both verbal and written, with the ability to interact professionally with internal and external stakeholders.
• Ability to work independently and collaboratively in a fast-paced environment, managing multiple priorities and meeting deadlines.

"Ascendo is a certified minority owned staffing firm, we welcome and celebrate diversity. Ascendo is an Equal Opportunity Employer and does not discriminate on the basis of race, color, religion, sex including pregnancy and gender identity), national origin, political affiliation, sexual orientation, marital status, disability, genetic information, age, retaliation, parental status, military service or any non-merit factor.”

Seniority level

• Seniority level

  Associate

Employment type

• Employment type

  Full-time

Job function

• Job function

  Accounting/Auditing, Finance, and Analyst

• Industries

  Banking, Financial Services, and Real Estate

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Inferred from the description for this job

Medical insurance

Vision insurance

401(k)

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