Mortgage Underwriter

Full Time

Website Axiom Mortgage Solutions

Position Overview: We are seeking a skilled Mortgage Underwriter with an analytical problem-solving and strategic mindset to join our team. The ideal candidate will play a crucial role in assessing and approving mortgage applications, ensuring they align with program-specific lender requirements, and identifying viable solutions to overcome potential obstacles in the mortgage and financial needs of our clients. Responsibilities: Application Analysis: Review and evaluate mortgage applications for completeness and accuracy; ensuring all required documentation is provided. Risk Assessment: Assess the creditworthiness of applicants by analyzing credit reports, income documentation, employment history, and financial statements.

Compliance Adherence: Ensure that mortgage applications adhere to all relevant regulatory guidelines and lender-specific program requirements. Problem Solving: Identify potential obstacles in mortgage applications, financial situations, and credit profiles. Develop creative solutions to mitigate these issues, increasing the chances of approval. Program Evaluation: Familiarize yourself with the specific programs offered by different lenders and tailor mortgage applications to fit within their parameters.

Communication: Collaborate with loan officers, clients, and management to obtain additional information or clarification on specific application details. Documentation Management: Maintain accurate and organized records of all reviewed applications, decisions, and related correspondence. Decision Making: Make informed and well-reasoned decisions regarding mortgage application approvals or denials based on the comprehensive evaluation of financial data and program requirements. Risk Mitigation: Identify potential risks associated with mortgage applications and propose solutions to mitigate those risks effectively.

Continuous Learning: Stay up-to-date with industry trends, regulatory changes, and lender program updates to ensure our mortgage underwriting process remains current and compliant. Qualifications: Proven experience as a Mortgage Underwriter, demonstrating a strong track record of successful underwriting. Proficiency in analyzing financial documents, credit reports, and income statements. In-depth knowledge of mortgage industry regulations, programs, and guidelines.

Strong problem-solving skills and a strategic mindset. Excellent communication and interpersonal skills. Detail-oriented and highly organized. Ability to work in a fast-paced environment and meet deadlines.

Certification or licensing as a Mortgage Broker is ideal.

Source

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