Underwriter III
Core
Senior-level mortgage underwriting professional evaluating and making decisions on a broad range of residential loan applications to ensure compliance and risk management.
Role type
Senior IC mortgage underwriter
Builds
Residential mortgage loans (conventional, FHA, VA, USDA, new construction, condominium, jumbo)
Domain
Financial Services / Mortgage Lending
Deliverable
Production ML models | product features | dashboards & analysis | client delivery | infrastructure | physical/clinical work -> client delivery (loan approvals/denials)
Required skills
Mortgage underwriting expertise, regulatory compliance knowledge, risk assessment, fraud detection, financial document analysis, loan-to-value and debt-to-income ratio analysis, property appraisal review, Automated Underwriting System (AUS) verification, Direct Endorsement (DE) certification, Microsoft Office proficiency
Preferred skills
College coursework in Business/Finance/Accounting/Legal, experience with specialized loan programs
Technologies
Microsoft Office Suite, Automated Underwriting Systems, internal loan systems, third-party mortgage software
Responsibilities
Review and evaluate loan documentation for accuracy and compliance; Analyze borrower financial data to assess eligibility and identify fraud; Approve or deny loan applications based on underwriting standards; Collaborate with Loan Officers and Processors to resolve documentation gaps; Provide guidance and recommendations on suitable loan programs; Monitor regulatory requirements and industry developments; Serve as a subject matter expert for complex underwriting questions; Coach and support junior team members.
Seniority
Senior, hands-on IC with mentorship responsibilities