Residential Mortgage Underwriter: Due Diligence & Risk

Intercontinental Exchange Holdings, Inc.; Jacksonville (FL); On-site; USD 65,000 - 90,000; Full time

Job summary

Intercontinental Exchange, Inc. is seeking a Credit Underwriter in Jacksonville, FL to review residential mortgage loan packages, ensure complete documentation, and verify compliance with program guidelines.

The role requires 3+ years of mortgage underwriting experience, knowledge of Jumbo Prime, Non-Prime, Conforming, Non-QM, and DSCR products, and strong MS Office skills to analyze data, identify variances, and document exceptions.

Qualifications

• 3+ years underwriting residential mortgage loans.
• Experience with Jumbo Prime, Non-Prime, Conforming, Non-QM, and DSCR products.
• Proficient with standard MS Office and loan-review software.
• Detail-oriented with strong verbal and written communication.

Responsibilities

• Ensure residential mortgage loan packages contain all necessary documentation required to formulate a complete assessment.
• Assess all elements of the origination credit decision to the current credit analysis and address any variances.
• Confirm that all loan reviews meet the required program guidelines and cite any deviations or exceptions.
• Update all exceptions with the pertinent facts supporting the finding(s).
• Review the credit package to identify potential fraud risks.
• Review appraisals and alternative value products for conformity to client specified requirements to assess accuracy of the property valuation.
• Confirm all data discrepancies and note the source document(s) and circumstance(s) when appending comments.
• Document all compensating factors and mitigating attributes of the loan.
• Work loan assignments based on the instructions from the project Team Lead/Business Analyst.
• Adhere to minimum production requirements as communicated from the project Team Lead.
• Monitor all communication channels (Outlook, Teams, Phone) for company updates/announcements and requests from your colleagues/Team Lead.

Skills

Mortgage underwriting

Underwriting guidelines

MS Office

Loan pipeline management

Communication

Tools

Mortgage loan software

Job description

Intercontinental Exchange, Inc. is seeking a Credit Underwriter in Jacksonville, FL to review residential mortgage loan packages, ensure complete documentation, and verify compliance with program guidelines.

The role requires 3+ years of mortgage underwriting experience, knowledge of Jumbo Prime, Non-Prime, Conforming, Non-QM, and DSCR products, and strong MS Office skills to analyze data, identify variances, and document exceptions.