Mortgage Underwriter

The Underwriter’s role is to analyze mortgage loan transactions and documentation to determine credit quality and conformance with industry standards.   They evaluate documents against loan parameters and guidelines set forth by the Agencies, Company and/or secondary market investors to determine if the borrower(s) and subject property qualify for the applicable loan.  They approve, suspend, or deny loans with direction back to the sales and processing team when the loan decision  includes suspension or denial.  When possible, the underwriter will provide guidance on what, if anything, can be done to help the borrower qualify for the loan or for any other known loan products.  Knowledge of guidelines and a methodic loan review process will be the key to success in this high-volume and fast paced environment.

Essential Duties

• Maintain a strong working knowledge of Agency guidelines (Fannie Mae, Freddie Mac, FHA and VA).
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We are seeking a detail-oriented and experienced Senior Mortgage Underwriter to join our dynamic team.

In this role, you will be responsible for evaluating and approving mortgage loan applications, ensuring compliance with company policies and regulatory requirements. Your expertise in financial analysis and risk assessment will be crucial in determining the creditworthiness of applicants and facilitating sound lending decisions.

Responsibilities

- Review and analyze loan applications, financial statements, and supporting documentation to assess borrower eligibility. - Conduct thorough credit analysis to evaluate the risk associated with each loan application.

- Utilize financial modeling techniques to project cash flow and assess the applicant's ability to repay the loan.

- Collaborate with loan officers and other stakeholders throughout the loan origination process to ensure a smooth workflow.

- Ensure compliance with...

Position Overview:

Keystone Consulting Group is seeking a Sr. Mortgage Underwriter. As a Senior Mortgage Underwriter, you will be responsible for underwriting mortgage loans to ensure compliance with company policies, regulatory requirements, and secondary market investor guidelines. This role involves examining loan documentation for accuracy and completeness, and collaborating with Mortgage Loan Officers and other Mortgage Department staff to secure all necessary documentation. The underwriter must also be proficient into Agency and FHA construction loans (i.e. 203(k) or equivalent). In addition, must be proficient in Non-QM Loans as well.

Key Responsibilities:

Loan Review and Validation:

•         Assess mortgage loans for accuracy and completeness, ensuring all information matches and is validated.

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