FHA DE Mortgage Underwriter

Job Summary

A company is looking for a Mortgage Underwriter II responsible for underwriting residential loans and ensuring compliance with guidelines.

Key Responsibilities

• Analyze borrower credit, income, assets, and collateral to determine creditworthiness
• Review and calculate borrower income, including tax returns when necessary
• Maintain knowledge of secondary market, investor, and private mortgage insurance guidelines

Required Qualifications

• 3+ years of conventional mortgage underwriting experience
• 1-2 years of FHA DE underwriting experience (TOTAL Scorecard and Manual)
• Experience using Encompass LOS (ICE Technology/EllieMae)
• Knowledge of Fannie Mae/DU, Freddie Mac/LPA, and FHA guidelines
• Understanding of relevant mortgage industry federal regulations, including RESPA, TILA, ECOA, TRID, CFPB, etc