Mortgage Underwriter

Fbc Mortgage Llc; Orlando (FL); On-site; USD 70,000 - 100,000; Full time

Job summary

Fbc Mortgage LLC in Orlando, FL is seeking a Mortgage Loan Underwriter to underwrite and add loan program required conditions to mortgage applications, ensuring borrowers meet program specifications prior to funding. You will communicate credit decisions to operations teams while upholding fair lending practices.

Responsibilities include analyzing loan files, reviewing credit reports and income documents, and maintaining production and quality standards.

Qualifications

• 5+ years of current, stable experience underwriting FHA and VA residential mortgage loans.
• Encompass experience strongly preferred.
• Experience working with a new home builder preferred.

Responsibilities

• Analyze loan files based on program and product specifications.
• Review and analyze credit reports, income documents, appraisal reports, and other relevant information to make sound underwriting decisions.
• Maintain or exceed production and quality requirements on a monthly basis.
• Maintain expert knowledge of corporate, investor, and regulatory guidelines.
• Ensure compliance with all company, federal, and state guidelines and lending regulations.
• Effectively communicate credit decisions and document needs throughout all individuals involved.
• Maintain and record all credit risk activities.

Skills

Govt underwriting

AUS underwriting

FNMA/FHLMC standards

FHA guidelines

Analytical skills

Independence

Initiative

Communication

Tools

Encompass

Job description

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Full Time Orlando, FL, US

Position Summary:

Mortgage Loan Underwriters underwrite and add loan program required conditions to mortgage applications to ensure that the borrower meets all program/product specifications prior to funding. Underwriters communicate all credit decisions (approval, suspense, denial) to the appropriate individuals within the operations team. Underwriters are charged with upholding fair lending practices and protecting the company by making sound lending decisions while maintaining company production and quality requirements.

Job Responsibilities:

• Analyze loan files based on program and product specifications
• Review and analyze credit reports, income documents, appraisal reports, and other relevant information to make sound underwriting decisions
• Maintain or exceed production and quality requirements on a monthly basis
• Maintain expert knowledge of corporate, investor, and regulatory guidelines
• Ensure compliance with all company, federal, and state guidelines and lending regulations
• Effectively communicate credit decisions and document needs throughout all individuals involved
• Maintain and record all credit risk activities

Requirements:

• 5+ years of current, stable experience underwriting FHA and VA residential mortgage loans
• Encompass experience strongly preferred
• Experience working with a new home builder preferred

Skills and Abilities:

• Possess a strong government underwriting background
• Manual and AUS underwriting skills
• Ability to underwrite files according to FNMA/FHLMC standards and comply with FHA guidelines
• Excellent analytical, attention to detail, and decision-making skills
• Ability to work independently with little supervision
• Highly motivated and takes initiative
• Strong written and verbal communication skills

Acrisure Mortgage is an Equal Employment Opportunity/Affirmative Action Employer and maintains a Drug-Free Workplace. Applicants must complete all interviews without the use of AI or automated tools.