Job Description

The Mortgage Underwriter is responsible for analyzing loan applications to determine creditworthiness, assess risk, and ensure the loan meets all necessary requirements for approval. This includes reviewing financial documentation, evaluating property appraisals, and making sound lending decisions.

Responsibilities:

Thoroughly review and analyze loan applications, including credit reports, income documentation, asset statements, and property appraisals.
Assess the borrower's creditworthiness, repayment ability, and overall financial stability.
Evaluate the collateral value of the property and ensure it meets loan-to-value requirements.
Identify and mitigate potential risks associated with each loan application.
Ensure loan files are complete and accurate, adhering to all regulatory guidelines (e.g., RESPA, TILA) and company policies.
Communicate effectively with loan officers, processors, and other stakeholders regarding loan status and underwriting decisions.
Maintain up-to-date knowledge of current mortgage lending practices, regulations, and guidelines.
Make sound lending decisions within established authority limits.
Document all underwriting findings and decisions clearly and concisely.
Meet established production and quality metrics.
Contribute to process improvements and identify areas for increased efficiency.

We are a company committed to creating diverse and inclusive environments where people can bring their full, authentic selves to work every day. We are an equal opportunity/affirmative action employer that believes everyone matters. Qualified candidates will receive consideration for employment regardless of their race, color, ethnicity, religion, sex (including pregnancy), sexual orientation, gender identity and expression, marital status, national origin, ancestry, genetic factors, age, disability, protected veteran status, military or uniformed service member status, or any other status or characteristic protected by applicable laws, regulations, and ordinances. If you need assistance and/or a reasonable accommodation due to a disability during the application or recruiting process, please send a request to HR@insightglobal.com.To learn more about how we collect, keep, and process your private information, please review Insight Global's Workforce Privacy Policy:


Required Skills & Experience

5-10+ years of mortgage underwriting experience for Non-QM, conventional, Jumbo, or government loans
Strong knowledge of mortgage lending products, underwriting guidelines, and regulatory requirements.
Recent experience in Encompass
Experience dealing with various investor guidelines (10+)


Nice to Have Skills & Experience

DE, DG, Hud 184 cert


Benefit packages for this role will start on the 1st day of employment and include medical, dental, and vision insurance, as well as HSA, FSA, and DCFSA account options, and 401k retirement account access with employer matching. Employees in this role are also entitled to paid sick leave and/or other paid time off as provided by applicable law.

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