Mortgage Underwriter — Risk & Compliance Focus

Seacoast National Bank; United States; Remote; USD 65,000 - 85,000; Full time

Job summary

Seacoast National Bank is looking for a Mortgage Underwriter to evaluate and underwrite residential mortgage loan applications. The role requires significant lending authority and involves thorough risk analysis of applications to ensure adherence to agency and regulatory guidelines.

The ideal candidate will have a Bachelor's degree and at least four years of experience in mortgage underwriting, with a thorough understanding of federal lending policies. This position offers the opportunity to impact the lending process significantly while ensuring high-quality borrower experiences.

Qualifications

• 4+ years of experience in residential mortgage underwriting.
• Strong knowledge of FNMA, Freddie Mac, FHA, VA, USDA requirements.
• Ability to analyze complex credit scenarios independently.
• Excellent communication skills for document detailing.

Responsibilities

• Underwrite conventional and government loan products.
• Perform thorough risk analysis of borrower financials.
• Exercise underwriting authority within approved limits.
• Maintain knowledge of current agency and investor guidelines.

Skills

Analytical skills

Verbal communication

Written communication

Knowledge of mortgage regulations

Risk assessment

Proficiency with loan systems

Education

Bachelor’s degree in a relevant field

Tools

Loan origination systems

Office productivity software

Job description

Seacoast National Bank is looking for a Mortgage Underwriter to evaluate and underwrite residential mortgage loan applications. The role requires significant lending authority and involves thorough risk analysis of applications to ensure adherence to agency and regulatory guidelines.

The ideal candidate will have a Bachelor's degree and at least four years of experience in mortgage underwriting, with a thorough understanding of federal lending policies. This position offers the opportunity to impact the lending process significantly while ensuring high-quality borrower experiences.