Full-Time Underwriter

Work Type: Full-time
Work Schedule: Monday – Friday, 8am – 5pm
net
Imagine Staffing is recruiting for a Residential Underwriter on behalf of our client, a leading technology and engineering solutions provider in Amherst, NY specializing in advanced manufacturing and precision automation, serving customers across industries with innovative products and custom-engineered systems. The organization focuses on delivering high-quality solutions through collaboration, continuous improvement, and a commitment to operational excellence and customer satisfaction.
In this role you will be responsible for evaluating residential mortgage loan applications to determine creditworthiness and compliance with lending guidelines. You will analyze financial documentation, assess risk, collaborate with loan officers and processors to resolve outstanding conditions, and make sound underwriting decisions while ensuring regulatory compliance and a high level of customer service.
Perform comprehensive representation and warranty reviews of previously originated mortgage loans.
Review and validate income, assets, liabilities, credit reports, appraisals, title documentation, and supporting loan documentation.
Recalculate income, assets, debt-to-income ratios (DTI), and other underwriting metrics as required.
Analyze complex self-employed borrower tax returns and financial statements.
Evaluate collateral quality through appraisal reviews and related valuation tools.
Review fraud detection reports and identify potential risk factors.
Review preliminary and final title policies to ensure compliance and marketability.
Ensure adherence to federal and state mortgage regulations, including TRID, QM/ATR, TILA, RESPA, Fair Lending, and Reg Z requirements.
Document review findings clearly, accurately, and professionally.
Identify material exceptions and provide recommendations for remediation.
Maintain current knowledge of regulatory updates, investor requirements, and underwriting guidelines.
Assist with User Acceptance Testing (UAT) for internal system enhancements and updates.
Follow internal procedures, workflows, and quality control standards.
Accuracy and quality of underwriting analyses and documentation.
Consistent adherence to internal procedures and quality standards.
Qualifications That Will Help You Thrive

• College Degree in business or related field preferred.
• 5–7 years of experience in the residential mortgage industry.
• Minimum 3–5 years of recent mortgage underwriting experience.
• Quality Control (QC) auditing and forensic loan review experience preferred.
• Strong understanding of residential mortgage underwriting, loan documentation, and title review processes.
• Familiarity with mortgage compliance regulations, including TRID, RESPA, TILA, QM/ATR, Fair Lending, and Regulation Z.