Mortgage Underwriter Specialist

7 days ago


Charlotte, North Carolina, United States Community Savings Full time
Job Summary

Community Savings is seeking a skilled Mortgage Underwriter Specialist to join our team. As a key member of our underwriting department, you will be responsible for underwriting non-agency/non-qm mortgage loans and performing credit analysis to ensure compliance with corporate/secondary market investor standards.

Key Responsibilities:

  • Examine loan documentation, reviewing it for accuracy and completeness, and finding solutions to ensure loan approval.
  • Render underwriting decisions for loans originated through wholesale or broker channels, and clear conditions to ensure product guidelines are met.
  • Be a primary point of contact as a subject matter expert assisting the sales force in structuring eligible loans with third-party originators.
  • Analyze the borrower's credit file, collateral, and capacity to ensure creditworthiness.
  • Perform manual underwriting review to ensure the loan meets all product and property guidelines of the Company and investors and is compliant with corporate and secondary market investor standards.

Requirements:

  • 3-5 years underwriting Non-QM loans, including DSCR, bank statement & P&L loans, Foreign Nationals, and ITIN loan programs.
  • Manual DTI calculations, including full doc loans.
  • Experience with Meridian Link/Lending QB.
  • Strong analytical skills.
  • Good verbal and written communication skills.
  • Ability to provide outstanding customer service in a fast-paced environment.


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