Mortgage Underwriter 2

F.N.B. Corporation

Mortgage Underwriter primarily responsible for underwriting residential mortgage loans. Reviewing applications for risk assessment and compliance with guidelines within F.N.B.

Posted 7/3/2026full-timePittsburgh • Pennsylvania • 🇺🇸 United StatesMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in loan underwriting, risk assessment, and compliance with government regulations. Proficient in analyzing income and appraisal reports while maintaining necessary certifications and utilizing industry-specific software.

Highest-signal resume keywords

Loan UnderwritingRisk AssessmentGovernment CertificationIncome AnalysisCompliance with HUD, VA, USDA

ATS Keywords

Tailor your resume

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Loan Application ReviewIncome AnalysisAppraisal Report ReviewHMDA Data AccuracyFCRA ComplianceECOA ComplianceProject ManagementAnalytical SkillsOrganizational Skills

Soft Skills

Communication SkillsInterpersonal Skills

Tools & Technologies

Desktop UnderwriterLoan ProspectorCloutZippyEMagicRMICMortgageBotEasyLenderMS WordMS Excel

Certifications & Qualifications

FHA CHUMS NumberVA SAR Designation

Industry Keywords

Loan StructuringGovernment FormsAgency StandardsAdverse Action Reasons

About the role

Key responsibilities & impact

Reviews individual loan applications per product specific guidelines to evaluate a degree of risk involved
Verifies all application information for accuracy and completeness
Performs income analysis to calculate wages or self-employed income
Reviews the appraisal report for accuracy, completeness and compliance with HUD, VA or USDA housing standards
Completes required Government forms (VA Notice of Value, FHA Conditional commitment, etc.)
Takes action to resolve deficiencies according to agency standards and procedures
Escalates issues to the Agencies as necessary for resolution
Complies with regulations regarding approvals and declinations
Ensures the accuracy of HMDA data and FCRA and ECOA decision reasons on adverse actions
Underwrites loan applications according to appropriate guidelines
Approves loans up to a set loan authority
Advises the Loan Originator on proper loan structuring
Maintains certifications as required by FHA/VA
Completes other related duties and projects as assigned

Requirements

What you’ll need

High School or GED
Minimum 5 years of job-related experience
Excellent project management skills
Excellent communication skills, both written and verbal
Excellent organizational, analytical and interpersonal skills
Ability to use general office equipment
Ability to use a personal computer and job-related software
Basic level in MS Word
Intermediate level in MS Excel
Basic level in MS PowerPoint
Ability to use industry-related software such as Desktop Underwriter, Loan Prospector, Clout, Zippy, eMagic, RMIC, MortgageBot, easyLender, etc. preferred
Must have at least 1 Government certification (FHA CHUMS number of VA SAR designation)

Benefits

Comp & perks

Equal Employment Opportunity (EEO)
Discrimination and harassment free workplace