Mortgage Underwriter

US Mortgage Corporation; United States; Remote; USD 65,000 - 95,000; Full time

Job summary

US Mortgage Corporation is seeking an experienced mortgage underwriter to ensure all loans meet investor and agency guidelines. You’ll analyze appraisals, income, and assets, and maintain quality across loan packages.

The role requires 5+ years in underwriting, strong knowledge of conventional and government guidelines, and experience with Encompass or similar LOS. Excellent communication and analytical skills are essential.

Qualifications

• Minimum 5+ years of mortgage underwriting experience.
• Strong knowledge of Conventional and Government (FHA/VA) guidelines (FNMA/FHLMC)
• Non-QM experience is a plus
• Active CHUMS ID required
• Experience with Encompass or similar LOS systems
• Strong analytical, organizational, and problem-solving skills
• Excellent verbal and written communication skills

Responsibilities

• Assume responsibility for the quality of underwriting of all loans to ensure all investor and agency guidelines have been met
• Meet established turnaround times set by the Underwriting Manager
• Analyze all loan packages for accuracy, completeness, and indications of fraud
• Review appraisals, income, and asset documentation for compliance with agency and investor guidelines
• Work with post-closing to clear conditions as needed

Skills

Mortgage underwriting

Analytical skills

Communication skills

Tools

Encompass

Job description

• Assume responsibility for the quality of underwriting of all loans to ensure all investor and agency guidelines have been met
• Meet established turnaround times set by the Underwriting Manager
• Analyze all loan packages for accuracy, completeness, and indications of fraud
• Review appraisals, income, and asset documentation for compliance with agency and investor guidelines
• Work with post-closing to clear conditions as needed

Requirements

• Minimum 5+ years of mortgage underwriting experience
• Strong knowledge of Conventional and Government (FHA/VA) guidelines (FNMA/FHLMC)
• Non-QM experience is a plus
• Active CHUMS ID required
• Experience with Encompass or similar LOS systems
• Strong analytical, organizational, and problem-solving skills
• Excellent verbal and written communication skills