EPM is looking for an experienced mortgage Underwriter to join our team. You will be responsible for ensuring real estate loan applications are completed with all required documents submitted correctly and loan files are in accordance with the latest investor guidelines and industry standards.
What You'll Do
- Independently underwrite a wide range of mortgage loans, including FHA, VA, USDA, and conventional products, while ensuring compliance, risk assessment, and sound decision-making based on both AUS and manual analysis.
- Ensure all loan files meet HUD, FHA, investor, regulatory, and internal guidelines and overlays.
- Review and analyze credit, income, assets, and collateral documentation to determine loan eligibility; inquire about any additional information needed to determine loan risk.
- Review mortgage loan applications and examine supporting documents to ensure all required information is included and complete for approval or rejection; make accurate and timely underwriting decisions.
- Ensure that all received information is accurate, meets compliance standards, and aligns with company policies.
- Communicate and document reasons for approval or rejection of loans so clients and loan officers are well-informed.
- Collaborate with internal operations team members, clients, and brokers to gather necessary documentation, clarify information, and ensure smooth processing of loan applications.
- Meet company SLAs for loan turnaround times and file quality standards.
- Provide exceptional customer service by responding to client inquiries regarding loan application statuses or documentation requirements.
- Take on additional responsibilities related to business needs.
What We're Looking For
- Active DE/CHUMS and LAPP/SAR certification required.
- Minimum 2 years of manual underwriting experience required.
- 5+ years of mortgage underwriting or mortgage lending experience required.
- High school diploma required.
- Understanding of compliance standards, including federal regulations (e.g., RESPA, TILA, and Dodd-Frank) and company policies.
- Knowledgeable in automated underwriting systems and Microsoft Office.
- Strong decision-making and communication skills.
- Recent experience with wholesale underwriting.
Nice to Have
- College degree preferred.
- Proficiency with the Encompass loan origination system preferred.
Technical Stack
- Microsoft Office
- Encompass loan origination system
EPM is an equal opportunity employer committed to creating an inclusive environment for all employees.
