Underwriter

Cliffco Mortgage Bankers; Uniondale (NY); Hybrid; USD 80,000 - 100,000; Full time

Job summary

Cliffco Mortgage Bankers in Uniondale, NY seeks an Underwriter for a full-time hybrid role. You will review loan applications, credit reports, income documentation, and collateral to determine borrower eligibility and risk, issuing conditional approvals as needed.

Collaborate with processors and loan officers to move files from disclosures to closing, ensuring accuracy and regulatory compliance. The ideal candidate has strong analytical skills and experience with LOS/mortgage software.

Qualifications

• High school diploma or equivalent required; associate or bachelor's in finance or related field preferred.
• Experience in mortgage underwriting with conventional, FHA, VA, or non-QM products is expected.
• Proficiency with LOS and mortgage software; ability to learn new systems quickly.
• Strong analytical skills and attention to detail; excellent communication and collaboration.

Responsibilities

• Review loan applications, credit reports, income documentation, and collateral to assess risk.
• Issue conditional approvals and identify documentation requirements.
• Collaborate with processors, loan officers, and team members to move files from disclosures to closing.
• Maintain accurate records and ensure compliance with regulations.
• Communicate underwriting decisions clearly and resolve conditions promptly.

Skills

Mortgage underwriting

Credit report analysis

Income & asset documentation

Regulatory compliance

Analytical thinking

Written & verbal communication

Team collaboration

DE/SAR certification

Multitasking in fast-paced environment

Education

High school diploma or equivalent

Associate or bachelor’s degree in finance or related field preferred

Tools

LOS systems

Mortgage software

Job description

Company Description

Cliffco Mortgage Bankers is a privately owned and operated mortgage company that has been helping borrowers nationwide attain and retain homes for over 35 years. Headquartered in Uniondale, New York, Cliffco offers a broad range of loan products, including conventional, FHA, VA, construction, reverse, and non-QM loans, enabling the team to serve a wide variety of financial profiles. The company emphasizes respectful, transparent service and treats each borrower as an individual, guiding them step-by-step through the mortgage process. Customers value Cliffco’s family-oriented culture, strong community roots, and track record of success, supported by an in-house team of processors and underwriters who manage files from initial disclosures through closing. Cliffco focuses on delivering high-quality service with free credit checks and pre-approvals, ensuring borrowers receive attentive support without reliance on third-party providers.

Role Description

The Underwriter is a full-time, hybrid role based in Uniondale, NY, with flexibility for some work-from-home arrangements. In this position, the Underwriter reviews and analyzes loan applications, credit reports, income documentation, and collateral to determine borrower eligibility and assess risk in accordance with company, investor, and regulatory guidelines. The role includes issuing conditional approvals, identifying documentation requirements, and working closely with processors, loan officers, and other team members to ensure files move efficiently from initial disclosures to closing. The Underwriter is responsible for maintaining accurate records, adhering to compliance standards, and applying sound judgment to complex loan scenarios, including non-QM and specialty products. Day-to-day tasks also involve communicating underwriting decisions clearly, resolving conditions, and supporting a customer-centric lending experience.

Qualifications

• Strong expertise in mortgage underwriting practices, including conventional, FHA, VA, and non-QM loan products.
• Proficiency in reviewing and analyzing credit reports, income and asset documentation, and property appraisals.
• Knowledge of federal, state, and investor guidelines, as well as regulatory and compliance requirements.
• Experience working with LOS and mortgage-related software; ability to learn new systems quickly.
• Excellent analytical, decision-making, and problem-solving skills with attention to detail and accuracy.
• Effective written and verbal communication skills, with the ability to collaborate with processors, loan officers, and other internal teams.
• Ability to manage multiple files and deadlines in a fast-paced environment while maintaining high-quality standards.
• Prior experience as a mortgage underwriter or in a similar lending role; DE/SAR or other relevant certifications are a plus.
• High school diploma or equivalent required; associate or bachelor’s degree in finance, business, or a related field preferred.