US Mortgage - Underwriter

Job Responsibilities:
Conduct end-to-end QC validation including income, assets, credit, collateral, compliance, and closing documentation.
Identify underwriting, documentation, and compliance deficiencies.
Ensure findings are accurately documented with clear root-cause analysis.
Ensure adherence to:
Agency and Investor guidelines
Federal and State mortgage regulations
Internal QC policies and procedures
Maintain 100% compliance with process-related policies, controls, and governance standards.
Adhere to established Quality and Quantity SLAs.
Support corrective action and preventive action initiatives.
Identify process improvement opportunities
Collaborate with Product Management to enhance platform features and user experience.

Required Qualifications
Minimum 6+ years of experience in US Residential Mortgage Underwriting or Post-Closing QC.
Strong knowledge of:
Conventional, FHA, VA, USDA guidelines
Jumbo and Non-QM loan programs
Agency and investor compliance standards
Experience in full loan file review (Income, Assets, Credit, Appraisal, Compliance, Closing).
Excellent analytical and documentation skills.
Strong attention to detail and accuracy.
Ability to work under defined SLAs and performance metrics.
Communicate effectively and work independently on multiple assignments with strong interpersonal skills.

Preferred Qualifications, Skills And Capabilities
Recognize issues or problems that require escalation.
Demonstrate strong domain learning and interpersonal communication skills.
Apply analytical thinking and problem-solving skills.
Experience in Mortgage QC platforms or LOS systems such as Encompass/ ACES/ DocMagic
Familiarity with TRID, ATR/QM, and regulatory compliance requirements.
Prior experience working in a structured QC or audit environment..