Now Hiring – Sr. Mortgage Underwriter

Sr. Mortgage Underwriter – Full-Time

$75,000 / year

Position Summary
The Underwriter underwrites loans in accordance with Company and Investor guidelines following the company’s policies and procedures under general supervision. Makes sound underwriting decisions and ensures that all decisions meet legal and policy requirements. Perform all duties in accordance with the company’s policies and procedures, all US state and federal laws and regulations, wherein the company operates.

Essential Functions (Including, however not limited to the following):
• Performs a thorough analysis to ensure the quality of each loan and to determine compliance with Company and Investor guidelines.
• Performs a thorough analysis of collateral to ensure the property meets investor guidelines and the appraisal quality and completeness are acceptable.
• Applies and interprets company underwriting guidelines and makes sound credit decisions.
• Completes credit, analysis of income, analysis of the property, ensures proper audits are completed and verifies the consistency of loan file information.
• Identifies risk factors within each loan and utilizes resources, tools, and documentation to detect red flags and clear inconsistencies.
• Reviews and evaluates credit information on mortgage loan documents to determine acceptability for specific loan programs.
• Determines any conditions, stipulations, or pre-funding requirements.
• Pipeline management – provide timely and high-quality performance review within 24-48 hours for initial underwrites and for condition review.
• Complete the required additional products (Appraisal Logging, DU/LP/GUS, Encompass fields, Investor Specific forms, income worksheets, etc)
• Reviews and clears underwriting conditions, stipulations, or pre-funding requirements received.
• Communicates with processors, sales teams, and operations teams to resolve outstanding issues as they arise.
• Assists departmental support staff when necessary.
• Complete system fields/screens that have been missed by other team members when the loan is reviewed for approval
• Resolves and responds to post-closing credit exceptions received from investors and auditors when required on loans underwritten. Response to be no later than 24 hours.
• Maintains ongoing knowledge of investor guidelines, updates, and trends as applicable to underwriting position.
• Performs other duties as assigned.

• A thorough knowledge of mortgage loan underwriting.
• Maintains highly confidential information concerning loan applicants.
• Requires a high level of organizational skills and ability to work on several tasks simultaneously.
• Constant contact with Loan Officers and internal office staff.
• Significant coordination of various duties required.
• Ability to communicate effectively both verbally and in writing.
• Ability to handle detailed assignments.
• Strong customer service skills.
• Ability to organize and prioritize workload and meet deadlines.
• Excellent computer skills and working knowledge of Microsoft Office products.

• Physical: Work is primarily sedentary; occasionally walks and/or stands.
• Manual Dexterity: Frequent use of computer keyboard and mouse.
• Audio/Visual: Ability to accurately interpret sounds and associated meanings at a volume consistent with interpersonal conversation. Regularly required to accurately perceive, distinguish and interpret information received visually and through audio; e.g., words, numbers, and other data broadcasted aloud/viewed on a screen, as well as print and other media.
• Environmental: Office environment– no substantial exposure to adverse environmental conditions.

EDUCATION, EXPERIENCE AND/OR LICENSES:• Five plus years of FHA mortgage underwriting work experience.
• Paperless Loan Origination System experience preferred.
• FHA Direct Endorsement designation and/or VA SAR designation highly preferred.
• DU and LP experience required.
• Experience working in a paperless environment preferred.


Patriot Home Mortgage

619 South Bluff Street Tower 1 Ste 301 or Tower 2 Ste 1B
St. George, Utah 84770

450 Hillside Drive, Bldg A, Suite 106,
Mesquite, NV 89027

Front Desk: (435) 256-8813