Residential Mortgage Underwriter

Russell Tobin; Plano (TX); On-site; USD 83,000 - 108,000; Full time

Benefits offered by this job

Comprehensive healthcare coverage

401(k) retirement savings

Employee assistance program

Life & disability insurance

Employee discounts with preferred vendors

Job summary

A leading company in financial services is seeking an experienced Mortgage Underwriter in Plano, TX to assess loan applications and oversee approvals. Responsibilities include evaluating creditworthiness, ensuring compliance with regulatory guidelines, and making sound credit decisions. Applicants should possess strong analytical skills, attention to detail, and previous underwriting experience.

Qualifications

• 2–5 years of mortgage underwriting experience is required.
• In-depth knowledge of lending guidelines and mortgage origination process.
• Capability to perform complex income calculations and manual underwriting.

Responsibilities

• Evaluate mortgage applications for borrower eligibility and creditworthiness.
• Ensure compliance with internal lending policies and regulatory guidelines.
• Approve, condition, or deny loans based on thorough risk assessment.

Skills

Attention to detail

Analytical skills

Effective communication

Education

High school diploma or equivalent

Bachelor’s degree in a related field

Job description

This range is provided by Russell Tobin. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.

Base pay range

$40.00/hr - $41.00/hr

Direct message the job poster from Russell Tobin

Financial and Professional Services Associate @Russell Tobin | Connecting Talent to Companies

We are seeking an experienced Mortgage Underwriter to assess loan applications and provide second-signature oversight on approvals made by our mortgage fulfillment vendor. This role involves analyzing borrower qualifications, ensuring compliance with lending guidelines, and making sound credit decisions.

Key Responsibilities:

• Evaluate mortgage applications to determine borrower eligibility, creditworthiness, and ability to repay.
• Review and verify financial documents, credit reports, income sources (including complex self-employed income), and asset statements.
• Analyze applications involving multiple investment properties or second homes.
• Ensure compliance with internal lending policies and regulatory guidelines, including TRID rules and disclosure requirements.
• Perform second-signature reviews on appraisals and files underwritten by third-party vendors.
• Approve, condition, or deny loans based on thorough risk assessment.

Required Qualifications:

• High school diploma or equivalent; 2–5 years of mortgage underwriting experience.
• In-depth knowledge of the full mortgage origination process and regulatory guidelines.
• Proven ability to perform complex income calculations and manual underwriting.
• Strong analytical skills, attention to detail, and effective written/verbal communication.
• Proficiency in TRID regulations and mortgage disclosure timing.

Preferred Qualifications:

• Bachelor’s degree in a related field.
• 5–10 years of mortgage underwriting experience.

***Pay Rate- $40-$41/hour

Russell Tobin offers eligible employee's comprehensive healthcare coverage (medical, dental, and vision plans), supplemental coverage (accident insurance, critical illness insurance and hospital indemnity), 401(k)-retirement savings, life & disability insurance, an employee assistance program, legal support, auto, home insurance, pet insurance and employee discounts with preferred vendors.

Seniority level

• Seniority level

  Not Applicable

Employment type

• Employment type

  Contract

Job function

• Job function

  Finance, Other, and Accounting/Auditing

• Industries

  Financial Services, Banking, and Real Estate

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