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Under Writer – US Mortgage

Roles & Responsibilities

  1. Responsible for underwriting complete product offerings including automated and manual underwriting of mortgage loans.
  2. Analyse and evaluate residential loan applications in accordance with industry and business unit standards.
  3. Demonstrate sound judgment in the analysis of required documentation while mitigating organization risk through appropriate decision making.
  4. In depth knowledge of all legal, compliance, regulatory and investor requirements for the product set.
  5. Develop and maintain a loan underwriting portfolio consistent with guidelines for credit quality and Investor or Insurer standards.
  6. Ability to calculate income (salaried as well as self employed) to accurately determine Debt to Income ratio
  7. Respond to quality control and audit reviews when requested in a timely manner.
  8. Approve and/or deny loans within certain limits and make credit structure and loan eligibility decisions.
  9. Proactively suggest program alternatives for customers who do not qualify for terms initially submitted.
  10. Ability to manage and underwrite a big pipeline of loans with speed and accuracy


  1. 2+ years mortgage UW and industry experience
  2. Extensive knowledge of underwriting guidelines
  3. Experience with and designations for FHA, VA loans underwriting preferred
  4. Detail and organizational skills
  5. Excellent Customer service skills along with written and verbal communication skills
  6. High School or Equivalent (GED) required, Certification, Licensure or other education training
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