Mortgage Underwriter

Southeast Mortgage of Georgia Inc • Duluth, GA

10d • Hybrid

About The Position

The Mortgage Underwriter is responsible for reviewing and evaluating residential mortgage loan applications to determine borrower creditworthiness, collateral value, and overall compliance with investor, agency, and company guidelines. This role requires thorough analysis, sound judgment, and strict adherence to regulatory requirements to ensure high-quality loan decisions.

Requirements

• Minimum of 5+ years of active residential mortgage underwriting experience with a regional or national lender.
• Active FHA Direct Endorsement (DE) with CHUMS ID and VA Staff Appraisal Reviewer (SAR) status are strictly required.
• High proficiency operating Encompass or similar core Loan Origination Systems (LOS), as well as Desktop Underwriter (DU) and Loan Product Advisor (LPA).
• Must reside within commuting distance of our Georgia office to accommodate the hybrid weekly schedule.

Responsibilities

• Evaluate and underwrite complex residential mortgage loans (Conventional, FHA, and VA) in strict compliance with agency and investor guidelines.
• Utilize your CHUMS ID and SAR authority to review, sign off on, and issue clear approvals or denials on government files.
• Analyze complicated financial profiles, including self-employed borrowers, complex tax returns, asset statements, and comprehensive credit histories.
• Assess property appraisals to verify market value and ensure collateral meets risk requirements.
• Collaborate efficiently with local processors and loan officers to resolve complex file conditions while maintaining absolute risk integrity.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed