Mortgage Underwriter

Position Overview

We are seeking an experienced, knowledgeable, decisive, and collaborative Underwriter to join our growing organization. Your primary role is to review the accuracy of loan applications and documents submitted in connection with a mortgage purchase or refinance to ensure agency and investor guidelines are met. HMA Mortgage, established in 2005 and based in Pittsburgh, PA, is an Independent Mortgage Bank with 150+ employees licensed in over 24 States. We value culture and collaboration to create an exceptional experience for our clients and partners.

Key Responsibilities

• Underwrite Conventional, VA, and FHA loans.
• 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.
• Evaluate loan applications for risk and criteria to meet agency and investor requirements.
• Exercise sound judgment based on detailed analyses to ensure all loan documentation complies with guidelines.
• Effectively place and clear conditions to approval in a timely manner.
• Communicate with internal partners (processors, underwriters, loan officers, funders, post-closing, and production managers) regarding documentation and file restructuring.
• Review submitted loan approval conditions to determine their adequacy.
• Make loan qualification decisions by approving, conditionally approving, or rejecting mortgage loan applications, and provide notification of clear to close.
• Ensure adherence to any investor overlays.

Required Qualifications

• Minimum of two (2) years Mortgage Underwriting Experience is required.
• Excellent communication skills.
• Encompass LOS experience is a must.
• Proficient with conventional mortgage loans, FHA, VA, USDA, State Bond programs, and renovation loan programs.
• Detail-oriented and organized.
• Suitable home internet connection.
• 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.
• College degree preferred.

Benefits & Perks

• Health Benefits
• Dental
• Vision
• 401K employer contribution
• Competitive PTO package
• Opportunity to work with an amazing culture and growing organization.