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 is an Independent Mortgage Bank established in 2005 based out of Pittsburgh, PA with 150+ employees and licensed in over 24 States. We are Direct to Agency with multiple investors and products chosen to best serve our market, and we pride ourselves on a strong company culture and core values that foster collaboration.

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 ensuring all loan documentation complies with guidelines.
• Place and clear conditions to approval promptly to manage credit risk and support on-time closings.
• Communicate with internal partners (processors, underwriters, loan officers, funders, post-closing, and production managers) regarding necessary file documentation and restructuring.
• Review submitted loan approval conditions to ensure they are satisfactory.
• Make loan qualification decisions; approve, conditionally approve, or reject mortgage loan applications and notify clear-to-close.
• Ensure adherence to all investor overlays.

Required Qualifications

• Minimum of two (2) years Mortgage Underwriting experience.
• 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.
• Reliable home internet connection.
• College degree preferred.
• 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.

Benefits & Perks

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