Underwriter

Mortgage Solutions of Georgia; United States; Remote; USD 58,500 - 71,500; Full time

Job summary

Mortgage Solutions of Georgia is seeking a dedicated Mortgage Underwriter to join their top-notch lending team. You will be responsible for evaluating VA, FHA, and conventional loans by examining borrower and property risks. The ideal candidate will have at least five years of mortgage experience, including two years of underwriting experience, and knowledge of AUS systems. The role requires quick decision-making and strong communication skills. Compensation is set at $65,000 per year.

Qualifications

• Experience with AUS (LP/DU/GUS), Encompass software, and MERS.
• NMLS license preferred; willingness to obtain within 90 days acceptable.
• Ability to make quality underwriting decisions under time constraints.
• Preference for candidates with SAR and DE licenses.
• At least 5 years of mortgage experience and 2 years of underwriting experience.

Responsibilities

• Evaluate and balance borrower and property risks to make loan decisions.
• Document approval or rejection reasons and communicate with clients.
• Execute strategies to resolve customer issues during loan processes.
• Assess risks and potential misrepresentation during loan reviews.
• Ensure all loan information is accurate, compliant, and well-organized.

Job description

Our top‑notch lending team seeks a goal‑driven Mortgage Underwriter to evaluate VA, FHA, and conventional loans. The role will examine borrower and property risks, make loan decisions, and serve as subject‑matter expert on underwriting matters.

Responsibilities

• Identify, examine, and balance transactional, borrower, and property‑related risks to arrive at a loan decision of approval, suspense, counteroffer, or denial.
• Document reasons for approval or rejection of loans and communicate those reasons with clients and loan officers.
• Execute specific strategies (e.g., identify who the appropriate individuals are to assist in resolving customer issues, etc.) and answer questions, rework loans to new terms, and determine any additional concerns as necessary.
• Determine if there are any risk and/or possible misrepresentation during the loan application review process.
• Confirm and clear conditions on loans by ensuring all necessary information is gathered, correct, classified correctly, organized, compliant, and congruent with company policies.
• Review all mortgage items and conditions provided by borrowers to ensure all necessary information is included for approval and meets required guidelines utilizing internal and external policies and procedures (e.g., automated underwriting systems like Desktop Underwriter).

Qualifications

• Experience with AUS (LP/DU/GUS), Encompass software, and Mortgage Electronic Registration Systems (MERS).
• Applicants with an NMLS license preferred; will accept candidates willing to be licensed within 90 days of hire.
• Ability to make quality underwriting decisions while maintaining company turn‑time expectations and provide quick and accurate answers on multiple loan project guidelines.
• Preference for candidates with SAR and DE licenses and exceptional knowledge of conventional and/or government loan selling and underwriting guidelines (VA, FHA, Fannie Mae, Freddie Mac, etc.).
• At least 5 years of mortgage experience and 2 years of underwriting experience.

Compensation

$65,000 per year