We are seeking an experienced, knowledgeable, decisive, and collaborative Underwriter to join our growing organization.
At HMA Mortgage, we move with purpose. We're a residential lending company built for those who thrive in a fast-paced environment and want to be part of something bigger — a team that's driven, ambitious, and always pushing to do more for our borrowers and each other. We don't just originate loans; we build careers, sharpen skills, and grow together. If you're ready to bring your best every day and make a real impact in the lives of homebuyers, HMA Mortgage is where you want to be.
* Vision
* Competitive PTO package
* Opportunity to work with an amazing culture and growing organization.
Job Description
The ideal candidate will possess a collaborative approach toward a common goal of ensuring all eligible loans close on time. This will require effective communication with team members to meet requirements as well as determine solutions to obstacles in a customer’s journey toward homeownership.
Job Duties to include but not limited to
* Underwrite Primary residence, second home, and investment loans on 1-to-4-unit residential properties.
* Review and validate loan file information including credit, assets, and collateral.
* Evaluating loan applications for risk and criteria to meet agency and investor requirements.
* Exercise sound judgment based on detailed analyses and ensure that all loan documentation is in compliance with relevant guidelines.
* Effectively place and clear conditions to approval in a timely manner, supportive of managing credit risk and on-time closings.
* Provide communications to internal partners including processors, underwriters, loan officers, funders, post-closing, and production managers regarding file documentation needed and/or file restructuring to meet eligibility guidelines.
* Review submitted loan approval conditions to determine if they are satisfactory.
* Make loan qualification decisions and approves, conditionally approves, or rejects mortgage loan applications; provides notification of clear to close.
* Ensure adherence to any investor overlays.
Qualifications
* Minimum of two (2) years Mortgage Underwriting Experience is required.
* Encompass LOS experience is a Must.
* Proficient with conventional mortgage loans, FHA, VA, USDA, State Bond programs, and renovation loan programs.
* Detailed and Organized
* Suitable home internet connection
* College Degree preferred.
* Must not appear on the Freddie Mac Exclusionary List or Excluded Parties List (EPLS), be subject to a Limited Denial of Participation (LCP) or otherwise restricted from participating in HUD programs.
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