Underwriter II

Taylor Morrison Inc.; Florida; On-site; USD 70,000 - 95,000; Full time

Benefits offered by this job

Health Care

401(k) with Company Matching

Vacation & Holidays

Tuition Reimbursement

Employee Assistance Program (EAP)

Job summary

Taylor Morrison, Inc. is seeking an Underwriter II to thoroughly review in-house loans and pre-submission reviews of externally underwritten loans, ensuring compliance with agency and investor guidelines.

The role requires underwriting of FHA and conventional loans, assessing repayment ability, and providing feedback to loan staff, with a focus on high-quality customer service and adherence to service levels.

Qualifications

• Customer-focused approach and dependable, high-energy work style.
• Integrity, honesty, and responsiveness in client interactions.
• Self-starter with proactive attitude and strong communication.

Responsibilities

• Determine and issue credit decisions for FHA and conventional loans per guidelines.
• Assess borrower repayment ability including employment, income, credit, assets, and collateral.
• Review prior-approved loans and provide feedback to coordinators and consultants.
• Maintain up-to-date knowledge of agency and investor guidelines and overlays.
• Provide high-quality customer service and meet service level expectations.

Skills

Customer Focused

Dependability

Creativity

High Energy

Integrity/Honesty

Responsive

Self-Starter

Education

Bachelor's degree

FHA Direct Endorsement Certification

Tools

Automated underwriting software

Job description

Job Description Summary

As an Underwriter II working for Taylor Morrison you will be responsible for the thorough review of in-house loans and pre-submission reviews of externally underwritten loans and ensuring that all loans are underwritten according to agency and investor guidelines. Promotes excellent customer service and related activities, and works with Management, Loan Consultants, Client Coordinators and Closers.

Job Details

We trust that as an Underwriter II you will:

• Responsible for determining and issuing the credit decision of FHA and conventional, conforming, high balance and super-conforming mortgage loan applications (up to a maximum loan amount of $424,100 or regional conforming loan amounts for conventional loans and FHA loan limits as published) according to agency and lender guidelines
• Assess the borrower(s) ability to repay, including validation of the borrower(s) employment, income, credit, assets and collateral as well as clearing any applicable underwriting conditions
• Complete reviews of loans that will be underwritten as a prior-approved loans with the company’s investors and providing feedback to Client Coordinators and Loan Consultants
• Maintain up to date knowledge of all agency and investor underwriting guidelines and credit overlays
• Provides high quality customer service, including underwriting to the companies service level expectations
• You are willing to perform other duties as assigned

What you will need

• Customer Focused
• Dependability/Creativity
• High Energy Level
• Integrity/Honesty
• Responsive
• Self-Starter

About you

• Bachelor’s degree and a minimum of 2 years underwriting experience
• Must hold a FHA Direct Endorsement Certification
• Have a thorough and comprehensive understanding of all FHA, FNMA and FHLMC underwriting guidelines and investor overlays
• Possesses solid working knowledge of subject matter
• Automated underwriting software required
• Must be proficient in reviewing and analyzing all levels of individual and business income tax returns

FLSA Status: Non-Exempt

Essential Functions

• Report to Division/Corporate Office/Community daily and adhere to schedule
• Ability to access, input, and retrieve information from a computer and/or electronic device
• Ability to have face to face conversations with customers, co-workers and higher level manager
• Ability to sit or stand for long periods of time and move around work environment as needed
• Ability to operate a motor vehicle if applicable
• Comply with company policies and procedure

Physical Demands

Must be able to able to remain in a stationary position up to 50% of the time.

*Taylor Morrison experience and/or successful completion of training program may override required education and/or experience requirement. Job descriptions are not intended as, nor should be construed to be, exhaustive lists of all responsibilities, skills, efforts, and working conditions associated with a job. They are intended to be accurate reflections of those principal job duties and responsibilities essential for making fair pay decisions about the job.

Benefits of Working With Taylor Morrison

• Competitive Compensation
• Health Care - Medical/Dental/Vision/Prescription Drug Coverage
• 401(k) with Company Matching Contributions
• Flexible Spending Accounts
• Disability Programs
• Employee & Dependent Life Insurance
• Vacation & Company Holidays
• Tuition Reimbursement
• Employee Home Purchase Rebate Program
• Home Mortgage Program
• Employee Assistance Program (EAP)

Welcome to the Taylor Morrison, Inc. Career Portal

In order to be the best in the industry, you have to surround yourself with the best people.

At Taylor Morrison, Inc., we are committed to being the best homebuilder as measured by our employees, customers, shareholders, and business partners.

Company Overview

Headquartered in Scottsdale, Arizona, Taylor Morrison is one of the nation’s leading homebuilders and developers, serving a wide array of consumers from coast to coast, including first-time, move-up, luxury and resort lifestyle homebuyers and renters under our family of brands—including Taylor Morrison, Esplanade and Yardly. From 2016-2025, Taylor Morrison has been recognized as American’s Most Trusted Builder by Lifestory Research. In addition, Taylor Morrison also offers home financing though Taylor Morrison Home Funding, providing professional and knowledgeable home mortgage options. Taylor Morrison, Inc. is always looking for dedicated professionals who share our values.

Thank you for considering a career with Taylor Morrison, Inc.! For more information about Taylor Morrison please visit www.taylormorrison.com.