Job Description

Position: Mortgage Loan Underwriter

Company:

Standard Mortgage Corporation

Location:

Greater New Orleans Area

Employment Type:

Full-Time

About the Role:

Standard Mortgage is seeking an experienced

Mortgage Loan Underwriter

to evaluate and determine the eligibility of mortgage loan applications. The ideal candidate will possess strong analytical and decision-making skills, a deep understanding of underwriting guidelines, and a commitment to maintaining compliance with all investor and regulatory requirements.

Key Responsibilities:

Review and verify loan applications and supporting documentation to ensure completeness and accuracy in accordance with internal, investor, and regulatory guidelines. Analyze borrower financial data including income, credit history, assets, and collateral to determine creditworthiness. Evaluate debt-to-income (DTI) ratios, loan-to-value (LTV) ratios, and other key risk factors. Assess overall loan risk to make informed approval, suspension, or denial decisions. Ensure loans meet all federal, state, and investor regulations (Conventional, FHA, VA, USDA, Jumbo). Ensure compliance with anti-fraud measures and fair lending laws. Communicate approval conditions, suspensions, and denials with clear and concise documentation. Collaborate with Loan Officers and Processors to obtain necessary information or resolve issues impacting loan decisions.
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Required Skills and Competencies:

In-depth knowledge of mortgage regulations, investor guidelines, and underwriting best practices. Strong analytical, mathematical, and problem-solving skills. Exceptional attention to detail and organizational ability. Effective verbal and written communication skills. Proficiency with mortgage origination systems and related technology. Ability to manage multiple priorities and meet deadlines in a fast-paced environment. Sound judgment and decision-making skills.

Qualifications:

High School Diploma or equivalent (required). Bachelor's degree in Business, Finance, Accounting, or related field (preferred). Minimum of

5 years of mortgage underwriting experience

. Proficiency in underwriting

Conventional, FHA, VA, USDA, and Jumbo

loan products. DE (Direct Endorsement), SAR, or LAPP designations a plus.
Join our team and experience what it feels like to be part of the Standard Mortgage family.

Standard Mortgage Corporation is an equal opportunity employer.

Job Type: Full-time

Pay: $58,000.00 - $70,000.00 per year

Benefits:

401(k) matching Dental insurance Employee assistance program Flexible spending account Health insurance Life insurance Paid time off Vision insurance
Work Location: In person