Mortgage Loan Underwriter Senior

Job Summary:

Independently reviews mortgage applications ranging from basic to complex and makes sound credit decisions within established policies and regulations. Resolves exceptions, supports other underwriters, and contributes to process improvements. Serves as a key resource for peers and ensures consistent, high-quality outcomes with minimal oversight.

Essential Functions:

• Perform the underwriting duties of all previous levels with minimal oversight and a high degree of accuracy.
• Identify and resolve complex issues during the underwriting process, escalating when appropriate.
• Communicate underwriting decisions clearly and professionally, both verbally and in writing. Assist other underwriters with communicating difficult decisions to members.
• Apply advanced knowledge of underwriting systems to verify inputs, review recommendations, ensure accuracy, and suggest improvements.
• Support the Mortgage Underwriting team by responding to questions and providing guidance on moderately complex underwriting scenarios.
• Identify and recommend solutions to address member needs while aligning with underwriting and risk policies.
• Collaborate with cross-functional teams – including processing closing, and compliance – to improve workflows, resolve bottlenecks, and enhance member experience.