Mortgage Underwriter

The Underwriter will adjudicate mortgage applications by assessing prospective clients. Assessing risk and ensuring all applications adhere to both quality and service standards remains the overarching focus for this role.

Key responsibilities:

• Make prudent credit decisions on complex mortgage files
• Receive, review, analyze and verify mortgage applications for completeness, accuracy, suitability and risk
• Adhere to applicable compliance obligations
• Handle difficult interactions
• Review, prepare and make considered recommendations
• Manage high work volumes to meet tight time lines with high-quality, due-diligence standards.
• Conducted comprehensive loan application reviews, assessing borrower information, financial documents, and credit history

Requirements:

• 3-4 years of retail mortgage underwriting experience
• Experience in reviewing and evaluating documents (income, down-payment, offers, etc)
• Good understanding of risk mitigation
• Experience in a-lending
• Strong understanding of mortgage documentation, credit analysis, and risk assessment
• Proficiency in Microsoft Word and Excel
• Holds or is willing to obtain an active Mortgage Agent license
• Detail-oriented, organized, and comfortable working under deadlines
• Strong communication skills with a client-service mindset