Mortgage Underwriter: Precision Risk Analyst

Popular; Charlotte Amalie (United States Virgin Islands); On-site; USD 60,000 - 85,000; Full time

Job summary

Popular in St. Thomas, VI seeks an experienced mortgage underwriter to assess buyer, property, and loan risk, and to determine loan approval. The role requires evaluating loan packages, ensuring compliance with investor guidelines, and compiling documentation for file accuracy.

The ideal candidate has 3–5 years in mortgage underwriting, a BSBA, and strong analytical skills. Local on-site work with standard business hours is expected.

Qualifications

• Bachelor's degree in Business Administration required.
• Three to five years of related mortgage underwriting experience.
• Strong knowledge of mortgage underwriting principles and credit analysis.
• Ability to analyze income, assets, liabilities, and borrower risk.
• Proficiency with MS Office; experience with Encompass preferred.

Responsibilities

• Reviews mortgage loan documents to determine if buyer, property, and loan conditions meet standards.
• Determines terms and acceptability of risk; approves or rejects loans per guidelines.
• Assembles documents in loan files, records rejections with basis and investor guidelines.
• Files and returns documents to the originating mortgage loan office.

Skills

Underwriting principles

Credit analysis

Loan documentation

Attention to detail

Communication

Time management

Education

Bachelor's Degree in Business Administration

Tools

Encompass

Microsoft Office

Job description

Popular in St. Thomas, VI seeks an experienced mortgage underwriter to assess buyer, property, and loan risk, and to determine loan approval. The role requires evaluating loan packages, ensuring compliance with investor guidelines, and compiling documentation for file accuracy.

The ideal candidate has 3–5 years in mortgage underwriting, a BSBA, and strong analytical skills. Local on-site work with standard business hours is expected.