Senior Mortgage Risk Analyst

2 weeks ago


Houston, Texas, United States Envoy Mortgage Full time

Position Overview:
Envoy Mortgage is in search of a skilled professional to fill the role of Senior Underwriter. This position involves evaluating mortgage applications and making informed decisions regarding loan approvals.

Key Qualifications:

  • A minimum of a High School Diploma or equivalent is required; further education in mortgage finance is advantageous.
  • At least 5 years of experience in the mortgage sector, with a preference for candidates who have 3 or more years in underwriting.
  • Knowledge of various loan types, including VA, Conventional, FHA, USDA, Bond, Jumbo, 203k, and complex tax returns.
  • Preferred certifications include DE, LAPP, SAR, and USDA.
  • Strong customer service abilities and a collaborative mindset are essential.
  • Proficiency in Microsoft Office Suite, especially Word, Excel, and Outlook.
  • Experience with Loan Origination Systems (LOS), particularly Encompass, is preferred.
  • Familiarity with underwriting tools such as Desktop Underwriter, Loan Prospector, and GUS.
  • Excellent analytical skills and meticulous attention to detail.
  • Ability to make independent and timely decisions.
  • Strong mathematical skills for accurate income calculations.
  • Competence in reviewing appraisals and evaluating collateral.
  • Exceptional verbal and written communication skills.
  • Capacity to thrive in a fast-paced environment with multiple responsibilities.

Physical Demands:

  • Occasional lifting or moving of items up to 25 pounds.
  • Close vision is necessary.
  • Regularly required to sit, use hands, reach, and communicate.
  • Occasional standing, walking, climbing, and kneeling may be necessary.

Compensation and Benefits:

  • Competitive salary structure.

Full-Time Benefits Include:

  • Comprehensive Health Insurance.
  • Paid Time Off (PTO).
  • Paid Holidays.
  • 401(k) retirement plan.

Work Schedule:

  • Standard workweek from Monday to Friday.


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