Mortgage Loan Underwriter

Residential Mortgage Loan Quality Control Underwriter - Hybrid Amherst, NYAre you an experienced mortgage underwriter who enjoys digging into the details and ensuring loan quality? We're seeking a Residential Mortgage Loan Quality Control Underwriter to join a collaborative team responsible for conducting comprehensive reviews of previously closed residential mortgage loans. This role is ideal for someone who enjoys analytical work, regulatory compliance, and identifying opportunities to mitigate lending risk.You'll play a key role in reviewing residential mortgage files for adherence to investor guidelines, regulatory requirements, and underwriting standards while working alongside experienced professionals in a quality-focused environment.What You'll DoPerform comprehensive post-closing quality control and representation & warranty reviews of residential mortgage loans.Re-underwrite mortgage files to evaluate compliance with underwriting, investor, and agency guidelines.Analyze borrower credit, income, assets, liabilities, collateral, and supporting documentation.Recalculate debt-to-income ratios, income, and asset calculations when necessary.Review complex self-employed borrower tax returns and financial statements.Evaluate appraisals, title work, and collateral documentation for completeness and marketability.Identify fraud indicators and assess overall loan risk.Document findings clearly and provide recommendations for corrective action when appropriate.Stay current on mortgage regulations, investor requirements, and underwriting guideline changes.Support quality assurance initiatives and assist with internal system testing and process improvements.What We're Looking For5-7 years of experience within the residential mortgage industry.At least 3-5 years of recent residential mortgage underwriting experience.Experience underwriting Conventional, Jumbo, Non-QM, Business Purpose, and other non-conventional loan products.Previous Quality Control (QC), post-closing audit, or forensic loan review experience is strongly preferred.Experience working with multiple lender and investor guidelines.Condominium and cooperative review experience is a plus.Loan closing experience is beneficial.Technical KnowledgeResidential mortgage underwritingSecondary market and investor guidelinesMortgage documentation and title reviewFederal mortgage regulations, including:TRIDTILARESPAQM/ATRRegulation ZFair Lending requirementsExperience with industry tools such as CoreLogic, LexisNexis, ComplianceEase/Compliance Analyzer, National Appraisal Registry, PACER, AM Best, and Automated Underwriting Systems (DU/LPA) is preferred.Skills for SuccessHighly analytical with exceptional attention to detailOrganized and able to manage multiple prioritiesComfortable working independently and collaborativelyA strong written and verbal communicatorSkilled at documenting findings clearly and accuratelyProficient with Microsoft Office and mortgage workflow systemsCommitted to maintaining confidentiality and professionalismQualifications: 3-5 years of recent mortgage experience 5-7 years of experience in the residential mortgage industry Why is This a Great Opportunity: Room for growth. Stable organization Salary Type: Annual Salary Salary Min: $80000 Salary Max: $95000 Currency Type: USD