Senior Mortgage Underwriter | Risk & Appraisal Expert

Atlantic Union Bank; Richmond (VA); On-site; USD 71,000 - 121,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

Life insurance

Disability coverage

Paid time off

401(k) retirement plan

Wellness resources

Incentive compensation/bonuses

Job summary

Atlantic Union Bank is seeking a Mortgage Underwriter in the Richmond, VA area to assess mortgage applications and property valuations. You will analyze borrower credit, income and assets, review appraisals for accuracy, and determine overall creditworthiness within established underwriting guidelines.

The role emphasizes risk assessment, regulatory compliance, and adherence to investor requirements, with responsibilities expanding to ensuring valuation integrity across the process.

Qualifications

• Typically requires 5+ years relevant experience.
• Broad knowledge of operational procedures.
• May require vocational or technical training.

Responsibilities

• Analyze borrower credit profiles, income, assets, and collateral.
• Review appraisal reports for accuracy and adherence to standards.
• Determine overall creditworthiness and risk level of mortgage requests.
• Apply underwriting guidelines to each file.
• Identify and mitigate potential risks in mortgage transactions.

Skills

Mortgage underwriting

Credit analysis

Regulatory compliance

Risk assessment

Appraisal review

Education

Vocational or technical training

Job description

Atlantic Union Bank is seeking a Mortgage Underwriter in the Richmond, VA area to assess mortgage applications and property valuations. You will analyze borrower credit, income and assets, review appraisals for accuracy, and determine overall creditworthiness within established underwriting guidelines.

The role emphasizes risk assessment, regulatory compliance, and adherence to investor requirements, with responsibilities expanding to ensuring valuation integrity across the process.