Mortgage Underwriter 2

Jobtailor; Pittsburgh (Allegheny County); On-site; USD 70,000 - 90,000; Full time

Job summary

Jobtailor is seeking an experienced Loan Underwriter in the Pittsburgh area to assess risk on loan applications, verify data, and conduct income analyses. You will review appraisals for HUD/VA/USDA compliance and complete required government forms, ensuring accuracy and adherence to agency standards.

The role requires 5+ years of underwriting experience, strong communication and organizational skills, and a government certification such as FHA CHUMS or VA SAR.

Qualifications

• High School or GED required.
• Minimum 5 years of loan underwriting experience.
• Strong project management and communication skills.
• Excellent organizational, analytical and interpersonal abilities.
• Proficient in MS Word, Excel, and PowerPoint.
• Experience with industry software such as Desktop Underwriter, Loan Prospector, Clout, Zippy, eMagic, RMIC, MortgageBot, easyLender preferred.
• Must have at least 1 Government certification (FHA CHUMS number or VA SAR designation).

Responsibilities

• Reviews loan applications per product guidelines to evaluate risk.
• Verifies all application information for accuracy and completeness.
• Performs income analysis to calculate wages or self-employed income.
• Reviews appraisal reports for HUD/VA/USDA compliance.
• Completes required government forms (VA Notice of Value, FHA Conditional commitment).
• Resolves deficiencies per agency standards and procedures; escalates as necessary.
• Underwrites loans according to guidelines and approves within loan authority.
• Advises Loan Originator on proper loan structuring.
• Maintains FHA/VA certifications as required.
• Performs related duties and projects as assigned.

Skills

Project management

Communication

Organizational skills

Analytical skills

Interpersonal skills

General office software usage

Education

High School or GED

Tools

Desktop Underwriter

Loan Prospector

Clout

Zippy

eMagic

RMIC

MortgageBot

easyLender

MS Word

MS Excel

MS PowerPoint

Job description

Responsibilities

• Reviews individual loan applications per product specific guidelines to evaluate a degree of risk involved
• Verifies all application information for accuracy and completeness
• Performs income analysis to calculate wages or self-employed income
• Reviews the appraisal report for accuracy, completeness and compliance with HUD, VA or USDA housing standards
• Completes required Government forms (VA Notice of Value, FHA Conditional commitment, etc.)
• Takes action to resolve deficiencies according to agency standards and procedures
• Escalates issues to the Agencies as necessary for resolution
• Complies with regulations regarding approvals and declinations
• Ensures the accuracy of HMDA data and FCRA and ECOA decision reasons on adverse actions
• Underwrites loan applications according to appropriate guidelines
• Approves loans up to a set loan authority
• Advises the Loan Originator on proper loan structuring
• Maintains certifications as required by FHA/VA
• Completes other related duties and projects as assigned

Requirements

• High School or GED
• Minimum 5 years of job-related experience
• Excellent project management skills
• Excellent communication skills, both written and verbal
• Excellent organizational, analytical and interpersonal skills
• Ability to use general office equipment
• Ability to use a personal computer and job-related software
• Basic level in MS Word
• Intermediate level in MS Excel
• Basic level in MS PowerPoint
• Ability to use industry-related software such as Desktop Underwriter, Loan Prospector, Clout, Zippy, eMagic, RMIC, MortgageBot, easyLender, etc. preferred
• Must have at least 1 Government certification (FHA CHUMS number of VA SAR designation)