A well-established financial institution is seeking an experienced
Residential Mortgage Underwriter
to join its credit team. This role is responsible for independently evaluating residential mortgage loan applications, ensuring compliance with internal policies, investor guidelines, and applicable regulatory requirements. The ideal candidate brings strong analytical judgment, attention to detail, and a disciplined approach to credit risk. The Role
Reporting to senior credit leadership, this position plays a critical role in supporting the organizations residential lending strategy while maintaining strong risk management and underwriting standards. The underwriter works closely with loan officers, processors, and cross?functional partners to deliver accurate and timely credit decisions. Key Responsibilities Review and analyze residential mortgage loan applications and supporting documentation (credit reports, income, tax returns, appraisals, etc.). Assess borrower creditworthiness, including DTI, LTV, and overall risk profile. Ensure adherence to internal credit policy, investor guidelines, and regulatory standards, including non?resident alien lending requirements. Issue underwriting decisions (approve, conditional approve, or decline) with clear and well?documented rationale. Partner with loan officers and processors to resolve conditions and ensure file completeness. Maintain thorough and organized underwriting documentation. Stay current on regulatory changes, underwriting best practices, and market trends. Provide guidance, feedback, and support to internal stakeholders as needed. Contribute to continuous improvement of underwriting policies and risk controls.
Preferred Qualifications
Bachelors degree in Finance, Business, or a related field (preferred). 5+ years of residential mortgage underwriting experience. Strong understanding of regulatory and compliance frameworks, including BSA and OFAC. Proficiency with loan origination and underwriting systems (e.g., Encompass). Strong written and verbal communication skills with sound credit judgment. Competitive base compensation. Comprehensive medical, dental, and vision coverage. Paid time off and holidays.
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Residential Mortgage Underwriter
to join its credit team. This role is responsible for independently evaluating residential mortgage loan applications, ensuring compliance with internal policies, investor guidelines, and applicable regulatory requirements. The ideal candidate brings strong analytical judgment, attention to detail, and a disciplined approach to credit risk. The Role
Reporting to senior credit leadership, this position plays a critical role in supporting the organizations residential lending strategy while maintaining strong risk management and underwriting standards. The underwriter works closely with loan officers, processors, and cross?functional partners to deliver accurate and timely credit decisions. Key Responsibilities Review and analyze residential mortgage loan applications and supporting documentation (credit reports, income, tax returns, appraisals, etc.). Assess borrower creditworthiness, including DTI, LTV, and overall risk profile. Ensure adherence to internal credit policy, investor guidelines, and regulatory standards, including non?resident alien lending requirements. Issue underwriting decisions (approve, conditional approve, or decline) with clear and well?documented rationale. Partner with loan officers and processors to resolve conditions and ensure file completeness. Maintain thorough and organized underwriting documentation. Stay current on regulatory changes, underwriting best practices, and market trends. Provide guidance, feedback, and support to internal stakeholders as needed. Contribute to continuous improvement of underwriting policies and risk controls.
Preferred Qualifications
Bachelors degree in Finance, Business, or a related field (preferred). 5+ years of residential mortgage underwriting experience. Strong understanding of regulatory and compliance frameworks, including BSA and OFAC. Proficiency with loan origination and underwriting systems (e.g., Encompass). Strong written and verbal communication skills with sound credit judgment. Competitive base compensation. Comprehensive medical, dental, and vision coverage. Paid time off and holidays.
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