Mortgage Underwriter at Southeast Mortgage of Georgia Inc – Duluth, Georgia

The Mortgage Underwriter is responsible for reviewing and evaluating residential mortgage loan applications to determine borrower creditworthiness, collateral value, and overall compliance with investor, agency, and company guidelines. This role requires thorough analysis, sound judgment, and strict adherence to regulatory requirements to ensure high-quality loan decisions.

• Perform comprehensive analysis of loan files, including credit, income, assets, appraisal, and title documentation.
  
• Apply established underwriting standards and investor guidelines (FNMA, FHLMC, FHA, VA, USDA) to ensure loan eligibility and compliance.
  
• Accurately calculate borrower income, debt-to-income (DTI) ratios, and loan-to-value (LTV) ratios.
  
• Identify potential risks and provide clear, documented decisions regarding loan approval, suspension, or denial.
  
• Communicate underwriting decisions and conditions effectively to processors, loan officers, and other stakeholders.
  
• Maintain up-to-date knowledge of regulatory changes, investor requirements, and industry best practices.
  
• Manage an assigned pipeline efficiently while maintaining accuracy and timeliness.
  

Qualifications

• Minimum of 3+ years of recent, progressive experience in residential mortgage underwriting.
  
• Advanced knowledge of Conventional and Government loan programs (FHA, VA, USDA).
  
• Strong analytical, decision-making, and risk assessment skills.
  
• Exceptional attention to detail and organizational ability.
  
• Proficiency with loan origination systems (LOS) and automated underwriting systems (DU/LP).
  
• Excellent written and verbal communication skills.