Underwriter

Kings Mortgage Services; United States; On-site; USD 70,000 - 90,000; Full time

Benefits offered by this job

Medical Insurance

Dental Insurance

Vision Insurance

Life Insurance

Paid Time Off

401(k) with company match

Job summary

Kings Mortgage Services is seeking a Wholesale Underwriter to review and evaluate residential mortgage loan applications. You will analyze borrower creditworthiness and ensure compliance with guidelines and regulations while maintaining service levels.

The ideal candidate will possess an Active Underwriter designation and experience with Encompass, along with strong analytical and communication skills.

The role is remote, offering competitive benefits including medical, dental, and 401(k) match.

Qualifications

• Active Underwriter designation certificate (DE) is required.
• Experience using Encompass is required.
• Experience in mortgage underwriting or related financial services.

Responsibilities

• Review and analyze loan applications and financial documents.
• Assess mortgage loan risk factors and compliance.
• Collaborate with brokers to resolve discrepancies.
• Prepare financial reports for loan approvals or denials.
• Conduct quantitative analysis for loan decisions.

Skills

Active Underwriter designation certificate (DE)

Mortgage underwriting experience

Analytical skills

Strong communication skills

Knowledge of HUD guidelines

Tools

Encompass

Job description

Description

The Wholesale Underwriter is responsible for reviewing and evaluating residential mortgage loan applications submitted through third-party brokers to ensure compliance with company guidelines, investor requirements, and applicable regulations. This role analyzes borrower creditworthiness, income, assets, collateral, and overall loan risk to make sound underwriting decisions while maintaining service level expectations.

Department: Operations

Location: Remote Home Office - KMS

Key Responsibilities

• Review and analyze loan applications, credit reports, and financial documents to determine borrower eligibility.
• Assess risk factors associated with mortgage loans, including income verification, debt‑to‑income ratios, and creditworthiness.
• Ensure compliance with federal and state regulations as well as company policies throughout the underwriting process.
• Collaborate with brokers, Account Managers, Account Executives, and other stakeholders to resolve any issues or discrepancies in documentation.
• Prepare detailed financial reports summarizing findings and recommendations for loan approvals or denials.
• Experience with Encompass is required.
• Conduct quantitative analysis to evaluate borrower profiles and market conditions impacting loan decisions.
• Stay updated on industry trends, changes in regulations, and best practices in mortgage underwriting.

Preferred Skills, Knowledge, and Expertise

• Active Underwriter designation certificate (DE) required.
• Experience using Encompass required.
• Proven experience in mortgage underwriting or a related field within financial services.
• Strong knowledge of HUD underwriting guidelines.
• Excellent analytical skills with attention to detail to ensure accuracy in assessments.
• Strong communication skills for effective collaboration with team members and clients.
• Ability to work independently while managing multiple tasks in a fast‑paced environment.

Benefits

• Medical Insurance
• Dental Insurance
• Vision Insurance
• Life Insurance
• Paid Time Off
• 401(k) with company match