As the Mortgage Underwriter, you will be:

• Reviewing mortgage loan files for completeness and data integrity.
• Evaluating borrower’s credit and capacity to repay the requested loan.
• Evaluating the collateral securing the requested loan and determining acceptability.
• Reviewing mortgage loan files for compliance with regulatory, investor, bank and agency guidelines.
• Making the credit decision to Approve, Suspend or Deny the loan and issuing approval within timeframe established by TBM procedures.
• Completing all necessary forms to comply with regulatory, investor, bank and agency guidelines.
• Completing Underwriting Approval and providing to Loan Officer, Processor and Closer.
• Recording appropriate data and status into processing system.
• Mentoring and supporting processors.
• Supporting Originators as a resource for questions.
• Other duties as needed.
• Obeying all applicable federal laws, rules, and regulations relating to Anti-Money Laundering (AML) including the Bank Secrecy Act (BSA).

You are a person that (required skills):

• Has a complete understanding of Conventional, FHA, VA, USDA, VHDA and NC Housing underwriting guidelines.
• Has at least 1 year of recent mortgage loan underwriting experience.
• Has working knowledge of real estate lending criteria and federal, state and agency compliance.
• Is able to multi-task and manage time efficiently.
• Has strong organizational skills, attention to detail and basic Microsoft Office skills.

You’ll be better prepared if you have (desired skills):

• VA LAPP, DE authority and VHDA underwriting certification.