Mortgage Underwriter

Underwriter

This is a hybrid-remote position

You must be located in the St. Louis, MO area to apply for this position

About Gershman Mortgage

Communities, families, and homes are at the heart of what we do at Gershman Mortgage. Our founding principles are based on the core values of honesty, integrity, the entrepreneurial spirit, and putting our customers first. We are passionate and committed to customer service and strive to ensure that we exceed the expectations of our customers. We are a customer-centric company devoted to creating and maintaining long-lasting relationships.

Unleash Your Mortgage Magic at the Underwriting Stage!

As a member of our underwriting team, you'll be a critical part of the loan manufacturing process in determining a credit decision by analyzing financial data related to loan requests. This is your chance to contribute to a monumental step in the homeownership journey.

Essential Underwriter Functions:

• Underwriting Compliance: Complete the underwriting process by thoroughly examining the loan parameters against all regulations and investor guidelines, including but not limited to loan amount, loan-to-value requirements, supporting financial documentation, associated risks, etc. You will make the final credit decision for the loan application using your expertise, logic, and strategic thinking.
• Accuracy & Completeness: You will draw accurate conclusions on loan applications by reviewing and determining many variables, including income, employment verification, tax returns, credit reports, credit reporting requirements, and federal, state, and investor guidelines. You will issue conditions as needed and communicate the applicable provisions of each loan package with expert-level communication skills.
• A Culture of Excellence: Embraces a dynamic, collaborative environment where passion, creativity, and teamwork fuel our success.

Experience Desired:

• A proactive communicator, continually expanding creative ways to support others.
• A productivity powerhouse fueled by self-motivation and attention to detail.
• A lifelong learner, constantly honing your skills and staying ahead of the curve.
• BA/BS and 4 years of mortgage loan underwriting experience in retail residential mortgages.
• Ability to successfully analyze qualitative and quantitative data with precision.
• DE, SAR required
• Experience with Encompass LOS is strongly preferred.
• You believe in the power of homeownership to transform lives.

Join an organization where your talent can shine!

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Work Environment

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets, and fax machines.

Physical Demands

An employee must meet the physical demands described here to perform the essential functions of this job successfully. No or minimal physical effort is required—no or limited exposure to physical risk. Work is typically performed in a typical office work environment.

EEO Statement

Gershman Mortgage is an Equal Opportunity Employer.

Other Duties

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities required of the employee for this job. Duties, obligations, and activities may change at any time, with or without notice.

Job Type: Full-time

Pay: $50,000.00 - $60,000.00 per year

Benefits:

• 401(k)
• 401(k) 3% Match
• 401(k) matching
• Dental insurance
• Employee assistance program
• Flexible spending account
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Referral program
• Vision insurance

Schedule:

• Monday to Friday

Ability to Relocate:

• Chesterfield, MO 63017: Relocate before starting work (Required)

Work Location: Hybrid remote in Chesterfield, MO 63017