Mortgage Underwriter

EPM; United States; On-site; USD 80,000 - 120,000; Full time

Job summary

EPM, a leading wholesale mortgage lender in the United States, seeks an experienced Mortgage Underwriter to evaluate residential loan applications and ensure compliance with investor and regulatory guidelines.

You will analyze borrower qualifications and underwrite a broad mix of loan products in a fast-paced environment, delivering accurate decisions and exceptional service.

Qualifications

• 5+ years of mortgage underwriting or mortgage lending experience.
• Active DE/CHUMS and LAPP/SAR certification required.
• Minimum 2 years of manual underwriting experience.

Responsibilities

• Independently underwrite a wide range of mortgage loans, including FHA, VA, USDA, conventional, and Non-QM products.
• Review and analyze credit, income, assets, collateral, and supporting documentation to determine loan eligibility and assess risk.
• Ensure loan files meet HUD, FHA, investor, regulatory, and internal guidelines and overlays.
• Request and evaluate additional documentation as needed to make accurate underwriting decisions.
• Approve or deny mortgage loans while documenting the rationale for each decision.
• Communicate underwriting decisions and conditions to loan officers and internal partners.
• Collaborate with operations teams, clients, and brokers to ensure timely and accurate loan processing.
• Meet SLAs for turnaround times and file quality.
• Provide exceptional customer service by responding to underwriting questions and documentation requests.
• Support additional underwriting responsibilities as business needs require.

Skills

Underwriting

Regulatory knowledge

Analytical skills

Communication

Education

DE Certification

Tools

Encompass

MS Office

Job description

Founded in 2008, EPM is one of the leading wholesale mortgage lenders in the U.S. Headquartered in Atlanta, GA, and licensed in all 50 states, we offer a full range of loan products — including conventional, FHA, VA, non-QM, renovation, and USDA.

Our vision is to live in a world where everyone has the opportunity for The American Gift. Our goal is not only to facilitate homeownership but also to empower individuals and families through informed financial decisions.

Empowering You. We’re committed to giving our team members the operational support, technology, and tools they need to work efficiently and deliver exceptional service. Combined with a collaborative culture rooted in radical candor and innovation, we empower our people to do their best work every day while helping to shape our future.

The Role

EPM is growing and looking for an experienced Mortgage Underwriter to join our team. In this role, you'll evaluate residential mortgage loan applications, analyze borrower qualifications, and make sound underwriting decisions while ensuring compliance with investor, regulatory, and company guidelines. This position offers the opportunity to work with a wide range of loan products in a collaborative, fast-paced environment.

What You’ll Do

• Independently underwrite a wide range of mortgage loans, including FHA, VA, USDA, conventional, and Non-QM products
• Review and analyze credit, income, assets, collateral, and supporting documentation to determine loan eligibility and assess risk through both AUS and manual underwriting
• Ensure loan files meet HUD, FHA, investor, regulatory, and internal guidelines and overlays
• Request and evaluate additional documentation as needed to make accurate underwriting decisions
• Approve or deny mortgage loans while clearly documenting the rationale for each decision
• Communicate underwriting decisions and conditions to loan officers and internal partners
• Collaborate with operations teams, clients, and brokers to ensure timely and accurate loan processing
• Meet company service level agreements (SLAs) for turnaround times and file quality
• Provide exceptional customer service by responding to underwriting questions and documentation requests
• Support additional underwriting responsibilities as business needs require

What You Bring

• 5+ years of mortgage underwriting or mortgage lending experience
• Active DE/CHUMS and LAPP/SAR certification required
• Minimum 2 years of manual underwriting experience
• Recent wholesale underwriting experience required
• Strong knowledge of conventional, FHA, VA, USDA, and Non-QM loan products
• Working knowledge of federal mortgage regulations, including RESPA, TILA, Dodd-Frank, and investor guidelines
• Proficiency with automated underwriting systems, Encompass (preferred), and Microsoft Office
• Strong analytical, decision-making, communication, and problem-solving skills
• Highly organized, detail-oriented, and committed to delivering quality work in a fast-paced environment.

EPM is an equal opportunity employer committed to creating an inclusive environment for all employees. We do not discriminate based on race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other protected characteristic.