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Title
Text copied to clipboard!Analista de Crédito Hipotecario
Description
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We are looking for a detail-oriented Mortgage Underwriter to join our financial services team. The ideal candidate will be responsible for evaluating and analyzing mortgage loan applications to determine the creditworthiness of applicants. This role requires a strong understanding of mortgage lending guidelines, risk assessment, and regulatory compliance. The Mortgage Underwriter will work closely with loan officers, processors, and other stakeholders to ensure timely and accurate loan decisions.
As a Mortgage Underwriter, you will review loan documentation including income, assets, credit reports, and property appraisals to make informed underwriting decisions. You will ensure that all loans meet investor and company guidelines, and that all documentation is complete and accurate. You will also be responsible for identifying potential fraud or misrepresentation and escalating issues as necessary.
The successful candidate will have excellent analytical skills, attention to detail, and the ability to work under pressure in a fast-paced environment. Strong communication skills are essential, as you will need to explain underwriting decisions to internal teams and occasionally to external clients. Familiarity with automated underwriting systems such as DU and LP is highly desirable.
This is a critical role in the mortgage lending process, and your expertise will directly impact the financial success of both the company and our clients. If you are passionate about finance, risk management, and helping people achieve homeownership, we encourage you to apply.
Responsibilities
Text copied to clipboard!- Review and analyze mortgage loan applications for accuracy and completeness
- Assess borrower creditworthiness using financial documents and credit reports
- Ensure compliance with investor and regulatory guidelines
- Use automated underwriting systems such as DU and LP
- Communicate underwriting decisions to loan officers and processors
- Identify and escalate potential fraud or misrepresentation
- Maintain detailed documentation of underwriting decisions
- Work with processing and closing teams to resolve loan conditions
- Stay updated on industry regulations and underwriting standards
- Meet productivity and quality benchmarks for loan reviews
Requirements
Text copied to clipboard!- Bachelor’s degree in finance, business, or related field
- 3+ years of experience in mortgage underwriting
- Strong knowledge of FNMA, FHLMC, FHA, and VA guidelines
- Proficiency with automated underwriting systems (DU, LP)
- Excellent analytical and decision-making skills
- Strong attention to detail and organizational skills
- Ability to work independently and meet deadlines
- Effective verbal and written communication skills
- Familiarity with mortgage loan origination systems
- Certification such as DE or SAR is a plus
Potential interview questions
Text copied to clipboard!- How many years of experience do you have in mortgage underwriting?
- Are you familiar with DU and LP automated underwriting systems?
- Do you hold any underwriting certifications such as DE or SAR?
- Can you describe your experience with FHA and VA loans?
- How do you ensure compliance with investor guidelines?
- Have you ever identified and reported a fraudulent application?
- What is your approach to managing high volumes of loan files?
- How do you stay current with changes in underwriting regulations?
- Describe a time you had to explain a complex underwriting decision.
- What mortgage loan origination systems have you used?
