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It also processes draws and manages disbursements.","Answer",{"name":66,"@type":61,"acceptedAnswer":67},"How does the Mortgage Underwriter assess loan risk and eligibility?",{"text":68,"@type":64},"The position reviews and verifies application information, analyzes borrower financial data, and calculates ratios like DTI and LTV. It then approves, suspends, or denies loans based on risk assessment and compliance review.",{"name":70,"@type":61,"acceptedAnswer":71},"What experience and systems are required for this position?",{"text":72,"@type":64},"The posting requires 5+ years in mortgage underwriting or a related field and experience with AUS and loan origination software (LOS). Calyx Point is referenced, and DocMagic/LaserPro are preferred.","https://schema.org",{"og:url":32,"og:type":75,"og:title":10,"og:site_name":45,"og:description":12},"article",{"robots":77,"canonical":32},"index,follow",{"doc_id":79,"site_id":7},261931,1790470939,{"code":4,"msg":82,"data":83},"success",[84,89,93,98,103,108,113,118,123],{"id":85,"doc_module":22,"doc_module_name":25,"category_name":86,"show_sort_weight":87,"slug":88},11,"Presentations",90,"presentations",{"id":90,"doc_module":22,"doc_module_name":25,"category_name":29,"show_sort_weight":91,"slug":92},12,80,"resumes",{"id":94,"doc_module":22,"doc_module_name":25,"category_name":95,"show_sort_weight":96,"slug":97},14,"Invoices",70,"invoices",{"id":99,"doc_module":22,"doc_module_name":25,"category_name":100,"show_sort_weight":101,"slug":102},15,"Posters",60,"posters",{"id":104,"doc_module":22,"doc_module_name":25,"category_name":105,"show_sort_weight":106,"slug":107},16,"Social Media",50,"social-media",{"id":109,"doc_module":22,"doc_module_name":25,"category_name":110,"show_sort_weight":111,"slug":112},17,"Forms",40,"forms",{"id":114,"doc_module":22,"doc_module_name":25,"category_name":115,"show_sort_weight":116,"slug":117},18,"Letters",30,"letters",{"id":119,"doc_module":22,"doc_module_name":25,"category_name":120,"show_sort_weight":121,"slug":122},21,"Paper Templates",5,"papers-templates",{"id":124,"doc_module":22,"doc_module_name":25,"category_name":125,"show_sort_weight":4,"slug":126},158,"General","general-158",{"code":4,"msg":82,"data":128},{"doc_id":79,"user_id":129,"nickname":42,"user_avatar":130,"doc_module":22,"category_id":90,"category_name":29,"doc_title":10,"doc_description":12,"doc_content":131,"file_id":132,"file_url":133,"file_type":134,"file_size":135,"view_count":55,"is_deleted":4,"is_public":22,"is_downloadable":22,"audit_status":22,"page_count":26,"language":136,"language_code":8,"site_id":7,"html_lang":8,"table_of_contents":137,"faqs":138,"seo_title":139,"seo_description":12,"update_tm":140,"read_time":22},1099514067438,"https://ap-avatar.wpscdn.com/avatar/100002539ee87300030?x-image-process=image/resize,m_fixed,w_180,h_180&k=1780474512215547542","Job Posting  \nPosition: Mortgage Underwriter  Department: Mortgage   \nFLSA Status: Exempt  Location:  Hammond   \nPay Range: $75k-80k/year plus incentive  Hours Needed: Monday-Friday, 8am-4:30pm   \nPosition Summary:  \nThe Mortgage Underwriter is responsible for evaluating, approving, and underwriting mortgage loans, with a focus on construction lending. The Mortgage Underwriter is also the primary role responsible for processing draws and managing disbursements.  \nJob Responsibilities:  \n• Review, verify, and evaluate all information in loan application packages for accuracy and completeness  \n• Analyze the borrower's financial information, including credit scores, income, assets, and liabilities, to determine their ability to repay the loan  \n• Calculate financial ratios, such as debt-to-income (DTI) and loan-to-value (LTV), and identify any risk factors or inconsistencies in the loan file, and analyze loan risk  \n• Examine and evaluate supporting documents, including tax returns, employment history, bank statements, and property appraisals  \n• Determine loan eligibility by making decisions on whether to approve, suspend, or deny loan applications based on a comprehensive risk assessment and compliance review  \n• Verify that the loan meets all company policies, investor guidelines (e.g., Fannie Mae, Freddie Mac, FHA, VA), and federal and state regulations.  \n• Effectively communicate with loan officers, processors, and other internal staff to gather additional information, clarify issues, and explain loan decisions  \n• Manage the loan pipeline by prioritizing and reviewing loan files in a timely manner to meet deadlines  \n• Clearly and accurately document the rationale for all underwriting decisions  \n• Respond to post-closing credit exceptions and audit reviews from investors  \n• Draw and Disbursement Management: Process, review, and approve draw requests, verifying that required documentation (like invoices and lien waivers) is complete and accurate.  \n• Track construction progress, review inspection reports, ensure work completion before fund release, and identify potential budget or project issues  \n• Maintain accurate files, update budgets, and record all loan-related transactions and communications to ensure compliance and organization  \n• Act as a primary point of contact for borrowers and contractors, providing updates, and collaborating with internal teams such as loan officers, underwriters, and legal staff  \n• Ensure all loan terms, regulatory requirements, and lending policies are met throughout the construction phase  \n• Engage and work with third-party inspectors and title companies to verify construction progress and ensure proper legal procedures are followed  \n• Follow Bank policy, procedures, and guidelines  \n• Consistently support the Bank and its core values  \n• Additional duties may be assigned by supervisor  \nRequirements:  \n• High school diploma or equivalent  \n• A bachelor's degree in finance, business, or a related field is preferred  \n• 5+ years experience in mortgage underwriting or a related field  \n• Experience with automated underwriting systems (AUS) and loan origination software (LOS) required (Calyx Point referred)  \n• Experience with DocMagic and LaserPro preferred  \n• Professional certifications, such as a Certified Mortgage Underwriter (CMU) or FHA Direct Endorsement (DE), preferred  \n• Knowledge of construction lending, with an understanding of construction processes, loan agreements, and lending policies  \n• Strong knowledge of mortgage loan products, regulations, and industry guidelines  \n• Thorough understanding of Federal and State mortgage regulations  \n• Excellent analytical, problem-solving, and decision-making abilities to assess complex financial data  \n• A meticulous and detail-oriented approach to ensure all loan files are accurate and complete  \n• Strong organizational and time-management abilities to handle multiple loan applications and meet deadlines  \n• Exceptional written a","cbCait1VgYltTY4L","https://ap.wps.com/l/cbCait1VgYltTY4L","pdf",131118,"English","# Job Responsibilities\n## Mortgage loan underwriting and compliance review\n## Draw and disbursement management\n## Communication, documentation, and pipeline management\n# Requirements\n## Education and experience\n## Tools, systems, and preferred certifications\n# Benefits and Equal Opportunity Statement","[{\"question\":\"What are the core duties of a Mortgage Underwriter?\",\"answer\":\"The role evaluates, approves, and underwrites mortgage loans, with special focus on construction lending. It also processes draws and manages disbursements.\"},{\"question\":\"How does the Mortgage Underwriter assess loan risk and eligibility?\",\"answer\":\"The position reviews and verifies application information, analyzes borrower financial data, and calculates ratios like DTI and LTV. It then approves, suspends, or denies loans based on risk assessment and compliance review.\"},{\"question\":\"What experience and systems are required for this position?\",\"answer\":\"The posting requires 5+ years in mortgage underwriting or a related field and experience with AUS and loan origination software (LOS). Calyx Point is referenced, and DocMagic/LaserPro are preferred.\"}]","Mortgage Underwriter Job Posting | PDF",1789357614]