Mortgage Underwriter

1 day ago Be among the first 25 applicants Get AI-powered advice on this job and more exclusive features. This range is provided by Ascendo Resources. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more. Base pay range $70,000.00/yr - $80,000.00/yr Additional compensation types Annual Bonus We are seeking a detail-oriented and experienced Residential Mortgage Underwriter to join a growing banking team in Miami. The Residential Underwriter plays a crucial role in assessing the creditworthiness of residential mortgage applications and ensuring compliance with internal policies, regulatory requirements, and industry standards. Responsibilities: Evaluate residential mortgage applications to determine creditworthiness, including but not limited to assessing income, assets, liabilities, credit history, and property valuation. Analyze financial documents such as tax returns, pay stubs, bank statements, and credit reports to verify accuracy and completeness. Review appraisal reports, title commitments, and other relevant documentation to assess property value and ensure compliance with lending guidelines. Calculate debt-to-income ratios, loan-to-value ratios, and other financial metrics to assess risk and make informed lending decisions. Collaborate with loan officers, processors, and other stakeholders to obtain additional information and documentation as needed. Communicate lending decisions and underwriting requirements to loan originators and borrowers in a clear and timely manner. Stay updated on industry trends, regulatory changes, and best practices related to residential underwriting. Qualifications: Bachelor's degree in finance, accounting, business administration, or a related field. 3+ years of experience in residential mortgage underwriting, preferably in a banking or financial services environment. Strong understanding of mortgage lending regulations, including but not limited to TRID, RESPA, and FHA/VA guidelines. Proficiency in using underwriting software and tools, as well as Microsoft Office applications. Excellent analytical skills with the ability to interpret complex financial information and make sound underwriting decisions. Exceptional attention to detail and accuracy in documentation and data analysis. Effective communication skills, both verbal and written, with the ability to interact professionally with internal and external stakeholders. Ability to work independently and collaboratively in a fast-paced environment, managing multiple priorities and meeting deadlines. "Ascendo is a certified minority owned staffing firm, we welcome and celebrate diversity. Ascendo is an Equal Opportunity Employer and does not discriminate on the basis of race, color, religion, sex including pregnancy and gender identity), national origin, political affiliation, sexual orientation, marital status, disability, genetic information, age, retaliation, parental status, military service or any non-merit factor.” Seniority level Seniority level Associate Employment type Employment type Full-time Job function Job function Accounting/Auditing, Finance, and Analyst Industries Banking, Financial Services, and Real Estate Referrals increase your chances of interviewing at Ascendo Resources by 2x Inferred from the description for this job Medical insurance Vision insurance 401(k) Get notified when a new job is posted. Sign in to set job alerts for “Mortgage Underwriter” roles. Miami, FL $10,000.00-$101,245.40 2 months ago Port St Lucie, FL $200,000.00-$500,000.00 3 months ago Boynton Beach, FL $200,000.00-$500,000.00 1 week ago Delray Beach, FL $200,000.00-$500,000.00 1 week ago Coral Springs, FL $200,000.00-$500,000.00 1 week ago West Palm Beach, FL $200,000.00-$500,000.00 3 months ago Fort Lauderdale, FL $200,000.00-$500,000.00 1 month ago Deerfield Beach, FL $200,000.00-$500,000.00 3 months ago Hollywood, FL $200,000.00-$500,000.00 3 months ago Weston, FL $200,000.00-$500,000.00 3 months ago Miramar, FL $200,000.00-$500,000.00 3 months ago Plantation, FL $200,000.00-$500,000.00 3 months ago Hialeah, FL $200,000.00-$500,000.00 3 months ago Homestead, FL $200,000.00-$500,000.00 3 months ago Miami, FL $200,000.00-$500,000.00 3 months ago Miami Beach, FL $200,000.00-$500,000.00 3 months ago Pembroke Pines, FL $200,000.00-$500,000.00 1 month ago Port St Lucie, FL $20.00-$30.00 3 weeks ago West Palm Beach, FL $20.00-$30.00 3 weeks ago Fort Lauderdale, FL $20.00-$30.00 3 weeks ago Mortgage Business Development & Marketing Specialist Coldwell Banker Commercial Franchise Sales Director- US Based Remote New Development Marketing Director - South Florida We’re unlocking community knowledge in a new way. Experts add insights directly into each article, started with the help of AI. #J-18808-Ljbffr