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Job Description
Mortgage Underwriter – Miami, FL


Primarily responsible for underwriting residential loans ensuring compliance with lender and investor guidelines. Examines loan documentation for accuracy, completeness and overall credit risk. Works with loan originator or production staff to secure all required documents. May respond to individual and investor audits or requests. Underwrite loans ensuring compliance with lender and investor requirements.


Underwrites loan applications ensuring adherence to company, agency and investor guidelines.
Analyzes mortgage loan files to include income and asset documentation, credit reports, and required disclosures to ensure compliance with applicable Federal and state regulations, and company policies.
Underwrites the collateral to include contract and appraisal review.
Ensures all required documentation has been received and completed properly.
Makes recommendation for loan approval, determines the outstanding conditions needed prior to closing, reviews the conditions and clears the loan to close.
Supports Loan Officers during the pre-qualification process.
Provides support to Loan Officers, Processors and Closers throughout the process of the loan.
Ensures timely response and follow-up to QC, internal and post-closing audits.
Keeps up to date on investor and regulatory guidelines, policies, procedures and changes that affect mortgage underwriting.
Other projects or duties as assigned.

Self-motivated, ability to work in a fast-paced, high volume environment, while practicing sound lending judgment.
Must be a team player with the ability to be flexible and work overtime if needed to meet contract closing dates.
Ability to understand and calculate a wide variety of income and asset holdings, including analyzing tax returns and other complex financial documentation.
Ability to communicate effectively, both verbally and written.

at least 6 years in mortgage lending, preferably 2-3 years minimum front-line underwriting experience.
Job Type: Full-time

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