Mortgage Underwriter - Future Opportunities

Fbc Mortgage Llc; Orlando (FL); On-site; USD 65,000 - 90,000; Full time

Job summary

Acrisure Mortgage in Orlando, FL is seeking experienced Mortgage Loan Underwriters to assess loan files against program and product specifications before funding and to communicate credit decisions to the operations team.

Candidates should have 5+ years of FHA/VA underwriting, strong Encompass experience, and familiarity with builder partnerships, along with excellent analytical and written communication skills.

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

Underwriting

FHA/VA underwriting

Encompass

Credit analysis

Communication skills

Independent worker

Detail-oriented

Tools

FNMA/FHLMC guidelines

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

Acrisure Mortgage, a leading residential mortgage lender, is seeking experienced Underwriters for potential future opportunities within our organization. While we may not have an immediate opening, we are always interested in connecting with talented underwriting professionals who have a strong background in residential mortgage underwriting and a proven track record of supporting builder partnerships.

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.