Mortgage Loan Underwriter Job at Ascendo Resources, Miami, FL

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  • Ascendo Resources
  • Miami, FL

Job Description

Key Responsibilities

  • Review and assess residential mortgage loan applications for accuracy, completeness, and compliance with underwriting standards and applicable regulations.
  • Analyze credit reports, income documentation, assets, liabilities, and property appraisals to determine borrower eligibility.
  • Make sound credit decisions within established authority limits and provide clear and concise explanations for approvals, suspensions, or denials.
  • Ensure loans meet investor guidelines (e.g., FNMA, FHLMC, FHA, VA) and adhere to company and regulatory policies.
  • Communicate with loan officers, processors, and other stakeholders to resolve discrepancies or obtain additional documentation.
  • Maintain up-to-date knowledge of underwriting guidelines, regulatory changes, and industry trends.
  • Document all decisions and maintain detailed records in the loan origination system.
  • Support post-closing reviews and audits by addressing any deficiencies or inquiries.
  • Provide guidance and mentorship to junior underwriters or support staff, as needed.

Qualifications

  • Bachelor’s degree in finance, accounting, business, or a related field (preferred but not required).
  • Minimum of 3 years of experience in residential mortgage underwriting.
  • In-depth knowledge of underwriting guidelines, loan products, and regulatory requirements
  • Familiarity with automated underwriting systems (e.g., DU, LP) and loan origination software.
  • Strong analytical skills and attention to detail.
  • Excellent communication and interpersonal skills.
  • Ability to prioritize and manage multiple tasks in a fast-paced environment.

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