Mortgage Underwriter

About This Role

Key ResponsibilitiesAI-extracted

• 1
  Review and underwrite mortgage applications using investor/GSE guidelines.
• 2
  Perform detailed analysis of borrower credit, income, and collateral, including complex and self-employed income calculations.
• 3
  Conduct liquidity tests for business entities using Schedule L (adjusting for inventory-heavy businesses).
• 4
  Make timely, compliant underwriting decisions in line with SoFi and investor standards.
• 5
  Manage a high-volume pipeline, balancing quality (QC) and production SLAs — goal of 5+ new credit decisions per day.
• 6
  Partner closely with processors and loan officers to resolve conditions and ensure efficient loan flow.

RequirementsAI-extracted

• Minimum 2+ years of recent underwriting experience with both Conventional and FHA loans.
• Strong analytical ability and independent risk assessment judgment.
• Proficiency in DU, LP, and FHA Connection systems.
• Demonstrated skill in self-employment income analysis and Schedule L liquidity testing.
• Thorough understanding of credit policy, financial statement analysis, and property evaluation.

Perks & BenefitsAI-extracted