Mortgage Underwriter-DE 
Denver, Colorado 

Our client, a well established 22 year old Mortgage Company has asked us to recruit for an experienced Underwriter.The ideal team member possesses the ability to underwrite conventional, FHA and VA residential loans. You must possess strong overall mortgage knowledge and be up to date on agency guidelines. Correspondent Loan experience preferred.

A valid DE/CHUMS ID is preferred but not necessary. CLient will be open to a sponsorship for the right candidate. 

Responsibilities 

Ability to clearly communicate guidelines to production staff (processors, originators & managers). 
May be required to provide training and direction to junior staff. 
May receive and respond to calls from brokers/originators regarding products/programs. 
Review and evaluate data to determine loan viability, identify risk issues, and potential fraud. 
Evaluate debt ratio, loan to value ratio, credit score, property valuation and other factors. 
Document loan conditions and communicate requirements and/or decisions. 
Authority to withdraw and decline loans. 
Review, examine and underwrite loans to ensure compliance with company and secondary market investor’s standards. 
Ability to interpret investor’s overlays. 
Assesses loan documentation for compliance and accuracy. 
May identify, recommend, and/or negotiate alternative loan requirements, funding, or loan structuring solutions. 
May provide input on underwriting processes, procedures, or new approaches. 

Requirements 

4 year college degree preferred or equivalent experience 
Minimum of 3 years underwriting experience 
Excellent verbal and written communication skills 
Excellent organizational skills 
Strict attention to detail 
Advanced computer skills 
DE/CHUMS ID preferred