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Mortgage Underwriter
Equity Resources, IncMortgage Underwriter at Equity Resources approving loans with 24-hour turn times. Work is remote for candidates outside Central Ohio; hybrid if local.
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in underwriting loans under FNMA, FHLMC, and FHA programs, with a strong focus on risk assessment and adherence to ethical standards. Proficient in managing loan quality and delivering exceptional customer service in a fast-paced environment.
Highest-signal resume keywords
DE Underwriting ExperienceFHA Loan ProgramsRisk AssessmentElectronic Mortgage Processing SystemsCustomer Service Skills
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
UnderwritingRisk AssessmentLoan Quality AnalysisFraud PreventionAttention to Detail
Soft Skills
Excellent CommunicationAbility to Work IndependentlyAdaptabilityJudgment
Tools & Technologies
Microsoft WordMicrosoft ExcelMicrosoft OutlookEncompass
Industry Keywords
FNMAFHLMCFHAUSDAVA4 C’s of Underwriting
About the role
Key responsibilities & impact- Approve saleable loans with the information provided by the next day.
- Underwrite all loans under FNMA, FHLMC, and FHA (may include USDA & VA) loan programs.
- Monitor pipeline daily and self-assigned preapprovals.
- Make underwriting decisions based on risk assessment, taking into consideration the 4 C’s of underwriting: Capacity, Credit, Collateral, and Cash.
- Deliver high-quality service with 24-hour turn times and timely updates to Mortgage Specialists.
- Analyze and report loan quality issues and monitor corrective actions.
- Uphold strict fraud prevention, confidentiality and ethical standards set by Equity Resources.
- Adapt to changing circumstances and adjusting daily priorities as needed.
Requirements
What you’ll need- Bachelor’s Degree in Business, Finance, or related field preferred (or equivalent combination of education and experience); minimum HS diploma or equivalent.
- Minimum of 2 years’ DE Underwriting experience with conventional and FHA loans; USDA/VA experience a plus.
- Proficient in Microsoft Word, Excel, and Outlook.
- Experience with an electronic mortgage processing systems required (Encompass preferred).
- Must reside in a state in which Equity Resources is currently licensed.
- Excellent written and verbal communication and customer service skills.
- Ability to comprehend and follow complex written and oral instructions.
- Work independently with minimal supervision, applying sound judgment and attention to detail.
- Ability to manage high-stress situations and work overtime as needed.
Benefits
Comp & perks- Generous PTO
- 10 paid holidays
- Day off for birthday
- Full benefits package (including pet insurance!)
- 401(k) option with company match
- Referral programs