Mortgage Underwriter jobs in Florida

A
Senior Mortgage Underwriter
  • American Bancshares Mortgage
  • Miami, FL FULL_TIME
  • Position Overview

      Now Hiring!: Senior Mortgage UnderwriterCorporate Headquarters Location: Miami Lakes, FL Compensation: Based on Qualifications Benefits & Perks: 
    • 401k
    • Health, Dental, and Vision Insurance
    • Company-provided short-term disability insurance
    • Employee Assistance Program
    • Wellness Program
    American Bancshares Mortgage is seeking a diligent and motivated Senior Mortgage Underwriter to join the team. The ideal candidate will possess excellent phone and communication skills and a value of providing superior customer service to internal and external customers. The Underwriter is responsible for validating income, asset and collateral documents including self-employed tax returns and Condominium documents. The Underwriter may be involved in one or several types of mortgage lending (conventional, government-backed, etc.); lending authority to include conventional, government, seconds, DPAs and jumbo loan programs. Job Duties:
    • Evaluates loan applications for risks and various criteria such as agency and investor requirements, accuracy, consistency, and completion
    • Review new loan files to ensure loan meets agency / investor and program criteria. Minimum standard of 40 loans per month and a turn time of 24 hours required
    • Review transmittal & 1003 to make sure it is accurate and complete, compare to findings to verify that all information matches
    • Review credit report and compare to liabilities on 1003. Verify the investor guidelines for outstanding derogatory items and requirement payment or satisfaction if needed. Request updated mortgage history if needed
    • Calculate income using documentation required per agency / investor, questioning any significant changes in income and employment history
    • Review assets statements to compare to required assets. Require documentation and source for any recent large deposits or inconsistent activity
    • Review title to verify our borrower has ownership on a refinance transaction and that the seller has ownership for purchase transaction. Check that chain of title meets agency / investor requirements.
    • Verify there are no unpaid liens or judgments and that all mortgage liens being paid off through the transaction. Compare real estate tax figures to 1003. Review that there are no exceptions to title that may prevent first lien position or title transfers
    • Review appraisal to ensure the value is supported and that the appraiser has provided a complete accurate appraisal. Order value review on loans considered high risk. Request second level review on high-risk appraisals and SSR scores higher than 2.9
    • Review Fraud Audit report to ensure all alerts have been adequately addressed and clear and to obtain clear searches and compliance on all regulatory, state, and federal (Patriot Act) lists (OFAC, LPD, GSA, Social Security, others)
    • Calculate net tangible benefit for those states that require this test
    • Verify that the rate lock matches the underwriting file with the correct program, LTV, credit score and pre-payment penalty
    • Review final conditions turned in for Underwriting Final Approval within 24 hours
    • Review a minimum number of files per day of 4 - 7, to include new submissions, conditions revie, appraisal review, denial review and final approval (clear for audit review)
    • Maintain current and fluid knowledge of investor and agency guidelines
    • Approves loan with proper documentation or recommends further action
    • Communicates effectively and engages proactively with loan originators, processors, branch managers, funders and post-closers in regard to loan decisions, assignment of loan conditions, investor guidelines/documentation requirements and possible loan scenarios
    • Applies knowledge of underwriting and pre-underwriting to best serve loan applicant and investor needs
    • Performs other related duties as assigned
    Minimum Qualifications:
    • Bachelor's degree or equivalent combination of education and experience
    • 5 years of retail residential recent Mortgage Underwriting Experience (FHA, VA, USDA and Conventional) with strong agency guideline knowledge
    • DE, SAR (LAPP) certifications are required; experience with USDA is a plus
    • Strong working knowledge of ATR/QM Requirements
    • Encompass LOS experience
    • Ability to work in a fast paced, fluid environment and be held to minimum production standards
    • Strong computer skills; proficient in Microsoft Word, Excel and Outlook
    • Knowledge of compliance and disclosure requirements
    • Knowledge of closing, post-closing & quality control responsibilities
    • Must be located in EST (preferred) or CST time zones
    Who We Are: https://myabsm.com/ For more than 25 years, we have assisted our communities, empowered our partners, and expanded our company footprint across the nation. We are a full-service mortgage lender, created by industry experts who understand the ever-changing mortgage financing industry. Unlike a bank, we only focus on mortgage products. With years of combined experience our loan specialists are wise, patient, and eager to assist our clients. It is our unique company culture, expertly trained staff and years of industry experience that sets us apart from the rest. Having an intricate knowledge of our industry we take pride in the ability to offer our clients professional and ethical advice they seek, and most importantly the dedication to helping them find the best financing options. Servicing our community is driven by our core values of commitment, integrity, and transparency. Our in-depth knowledge is what enables us to efficiently adapt to industry change, while consistently providing our clients with a best-in-class customer service and a tailored mortgage experience. American Bancshares Mortgage is an Equal Opportunity Employer. American Bancshares Mortgage does not discriminate based on race, religion, color, sex, gender identity, sexual orientation, age, non-disqualifying physical or mental disability, national origin, veteran status, or any other basis covered by appropriate law. All employment is decided based on qualifications, merit, and business need.  American Bancshares Mortgage participates in the federal government’s E-Verify program, which confirms employment authorization of all newly hired employees and most existing employees through an electronic database maintained by the Social Security Administration and Department of Homeland Security. For all new hires, the E-Verify process is completed in conjunction with the Form I-9 Employment Eligibility Verification on or before the first day of work. E-Verify is not used as a tool to pre-screen candidates. For up-to-date information on E-Verify, go to  www.uscis.gov  and click on 'E-Verify' located near the bottom of the page.
  • 20 Days Ago

Z
Mortgage Underwriter
  • Zentech Consulting
  • Clearwater, FL FULL_TIME
  • Job DescriptionThe Mortgage Loan Underwriter position is responsible for underwriting Conventional, FHA, and VA loans following established company, agency and investor guidelines. The underwriter eva...
  • 14 Days Ago

D
Loss Mitigation Underwriter
  • DATA MORTGAGE INC
  • Ocala, FL OTHER
  • Job Details Job Location: Ocala, FL Office - Ocala, FL Salary Range: $45,000.00 - $55,000.00 Salary/year Job description Essex mortgage is hiring for our Default Manager position to assist our Servici...
  • 7 Days Ago

M
Mortgage Underwriter (In-Office)
  • Mphasis Digital Risk
  • Boca Raton, FL FULL_TIME
  • Digital Risk’s mission to Make Mortgages Safe relies on the perfect blending of human experience and state-of-the-art technology to serve its workforce and clients. Digital Risk’s 1,500 team members m...
  • 2 Days Ago

C
Mortgage Underwriter QC Analyst
  • City National Bank of Florida
  • Miami, FL OTHER
  • Overview Primary responsibilities include in-depth pre-fund quality assurance audits. The position requires experience in the detection and prevention of loan fraud with underwriting and guideline kno...
  • 16 Days Ago

C
Mortgage Underwriter QC Analyst
  • City National Bank of Florida
  • Miami, FL FULL_TIME
  • Overview: Primary responsibilities include in-depth pre-fund quality assurance audits. The position requires experience in the detection and prevention of loan fraud with underwriting and guideline kn...
  • 1 Month Ago

T
Rural 1st Mortgage Underwriter
  • The Judge Group
  • Louisville, KY
  • Farm Credit Mid-America is a financial services cooperative serving financial needs of farmers and rural residents in Ar...
  • 3/28/2024 12:00:00 AM

W
Table Funding Mortgage Underwriter
  • Wheeler Staffing Partners
  • Tampa, FL
  • Wheeler Staffing Partners is seeking a highly skilled and experienced Table Funding Mortgage Underwriter to join our cli...
  • 3/28/2024 12:00:00 AM

T
Mortgage Underwriting Specialist - Staunton, VA
  • The Caton Companies
  • Staunton, VA
  • Job Description Job Description Park Lane Finance Solutions, one of The Caton Companies, provides affordable financing f...
  • 3/28/2024 12:00:00 AM

F
Mortgage Underwriter II
  • Frost Bank
  • San Antonio, TX
  • Job Description It's about interactions more than transactions. Have others complimented you on your attention to detail...
  • 3/27/2024 12:00:00 AM

A
Quality Control Mortgage Underwriter
  • AMERICAN FINANCIAL RESOURCES LLC
  • Parsippany, NJ
  • Job Details Level Experienced Position Type Full Time Education Level 2 Year Degree Quality Control Mortgage Underwriter...
  • 3/26/2024 12:00:00 AM

S
Mortgage Underwriter
  • SolomonEdwards
  • Plano, TX
  • Position Summary The Mortgage Fulfillment Underwriter ensures that the assets reviewed meet all applicable investor guid...
  • 3/25/2024 12:00:00 AM

S
Mortgage Underwriter
  • SolomonEdwards
  • Tampa, FL
  • Position Summary The Mortgage Fulfillment Underwriter ensures that the assets reviewed meet all applicable investor guid...
  • 3/25/2024 12:00:00 AM

C
Mortgage Underwriter
  • CLM Mortgage, Inc.
  • The Woodlands, TX
  • Company Description CLM Mortgage, Inc. (NMLS# 215239) is a Houston-based mortgage company specializing in financing new ...
  • 3/25/2024 12:00:00 AM

Florida (/ˈflɒrɪdə/ (listen); Spanish for "land of flowers") is the southernmost contiguous state in the United States. The state is bordered to the west by the Gulf of Mexico, to the northwest by Alabama, to the north by Georgia, to the east by the Atlantic Ocean, and to the south by the Straits of Florida. Florida is the 22nd-most extensive (65,755 sq mi or 170,300 km2), the 3rd-most populous (21,312,211 inhabitants), and the 8th-most densely populated (384.3/sq mi or 148.4/km2) of the U.S. states. Jacksonville is the most populous municipality in the state and the largest city by area in th...
Source: Wikipedia (as of 04/11/2019). Read more from Wikipedia
Income Estimation for Mortgage Underwriter jobs
$61,378 to $82,623

Mortgage Underwriter
Planning/Organization – Ability to prioritize and plan work activities, use time efficiently and develop realistic action plans, work independently, and set expectations.
March 15, 2023
Mortgage Underwriter in Springfield, IL
Complete a thorough analysis of moderate to complex first- and second-lien loan packages to determine compliance with company and investor guidelines.
April 06, 2023
Mortgage Underwriter in Southfield, MI
Lead efforts to follow up and obtain items need to clear underwriting conditions.
May 09, 2023