Mortgage Underwriter

EPM

Mortgage Underwriter at EPM ensuring compliance, risk assessment, and sound decision-making for various loan products. Collaborating with internal teams to gather documentation and process loan applications efficiently.

Posted 7/23/2026full-timeRemote • 🇺🇸 United StatesMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive mortgage underwriting expertise, ensuring compliance with federal regulations and company policies while effectively assessing loan eligibility and risk. Proficient in utilizing automated underwriting systems and collaborating with various stakeholders to facilitate smooth loan processing.

Highest-signal resume keywords

Mortgage Underwriting ExperienceDE/CHUMS CertificationLAPP/SAR CertificationManual Underwriting ExperienceCompliance Standards Knowledge

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Risk AssessmentLoan Eligibility AnalysisCredit ReviewIncome AnalysisAsset EvaluationCollateral Documentation ReviewAutomated Underwriting SystemsWholesale UnderwritingCompliance Standards UnderstandingDecision-Making

Soft Skills

CommunicationCollaborationDocumentation

Tools & Technologies

Encompass Loan Origination SystemMicrosoft Office

Certifications & Qualifications

DE/CHUMS CertificationLAPP/SAR Certification

Industry Keywords

FHA LoansVA LoansUSDA LoansConventional LoansHUD GuidelinesRESPATILADodd-Frank

About the role

Key responsibilities & impact

Independently underwriting a wide range of mortgage loans, including FHA, VA, USDA, and conventional products, while ensuring compliance, risk assessment, and sound decision-making based on both AUS and manual analysis.
Ensure all loan files meet HUD, FHA, investor, regulatory, and internal guidelines and overlays.
Review and analyze credit, income, assets, and collateral documentation to determine loan eligibility; Inquire about any additional information needed to determine loan risk.
Ensure that once all information is received it is accurate, it meets compliance standards, and it aligns with company policies.
Communicate and document reasons for approval or rejection of loans so clients and loan officers are well-informed of decisions.
Collaborate with internal operations team members, clients, and brokers to gather necessary documentation, clarify information, and ensure smooth processing of loan applications.

Requirements

What you’ll need

5+ years of mortgage underwriting experience or mortgage lending experience required.
Active DE/CHUMS and LAPP/SAR certification required.
2+ years' experience with manual underwrites.
High school diploma required; college degree preferred.
Understanding of compliance standards, including federal regulations (e.g., RESPA, TILA, and Dodd-Frank) and company policies.
Knowledgeable in automated underwriting systems and Microsoft office.
Recent experience with wholesale underwriting.
Proficiency with Encompass loan origination system preferred.

Benefits

Comp & perks

EPM is an equal opportunity employer committed to creating an inclusive environment for all employees.