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Become A Mortgage Underwriter

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Working As A Mortgage Underwriter

  • Getting Information
  • Establishing and Maintaining Interpersonal Relationships
  • Making Decisions and Solving Problems
  • Interacting With Computers
  • Processing Information
  • Mostly Sitting

  • Make Decisions

  • Repetitive

  • $73,630

    Average Salary

What Does A Mortgage Underwriter Do At Robert Half

* Review and evaluate information on mortgage loan documentation to determine if borrower and/or property meet loan standards
* Complete a thorough analysis of loan files to determine compliance with company, investor, and government guidelines and standards
* Once the application has been evaluated and the degree of risk has been assessed, document the reasons for approval or denial of the loan and add the documentation to the loan file
* Responsible for ensuring final loan information is accurate in loan origination system prior to file being submitted for loan closing, including but not limited to loan amounts, appraised value, interest rate, income, assets, and monthly payments
* Please send all resumes to our Staffing Managers for immediate consideration!
* Mari
* Lyn Sweis – mari.lyn.sweis@accountemps.com
* Bryan Chau – bryan.chau@accountemps.com

What Does A Mortgage Underwriter Do At Leading National Direct Lender-49

* Review and evaluate loan documents to ensure accuracy, completeness and compliance with Company standards, federal and agency standards, and guidelines, as well as any applicable state-specific and or local regulations, ordinances, etc.
* Analyze loan-to-value ratio, debt-to-income ratio, credit report, application, income and assets, source(s) of down payment funds and examine supporting documentation to identify potential fraud or misrepresentation.
* Review appraisal to ensure that loan meets secondary market, investor and company standards.
* Communicate requests and status to loan processors and loan officers in order to obtain information to finalize incomplete loan packages.
* Determine and request additional documentation to support value and decisions as needed.
* Provides options with in guidelines and makes recommendations if borrowers may qualify for suitable programs.
* Stay current with regulations and industry that affect compliance and decision-making.
* Evaluate overall loan against approval requirements; ensure file is complete and contains all required supporting documentation.
* Coach and provide guidance to less experienced Underwriters as needed.
* Ensure system input is accurate and that company systems match Automated Underwriting System.
* WHAT THEY OFFER A SR. MORTGAGE UNDERWRITER: Competitive Compensation Packages Excellent benefits package; including medical, dental, vision, life insurance, AD&D, LTD and 401(k) with employer match.
* Pleasant, team-oriented work environment Possibility to work remote 3 days a week after 60 days & training, but must live close enough to come to office two days per week, and attend monthly staff meetings.

What Does A Mortgage Underwriter Do At First Tennessee Bank

* Analyzes credit, income, tax returns, assets and appraisals to determine borrower’s credit worthiness and ability to repay per the terms defined by the bank and/or investor.
* Proposes alternatives to loan requests that do not meet underwriting guidelines and seeks approval when necessary.
* Mitigates risk by conducting thorough and prudent reviews of loan files.
* Validates loan application and supporting documentation.
* Dispositions loans within underwriting authority limits.
* Presents loans with recommendations to Underwriter II or Vice President of Operations when loan limit exceeds the underwriter’s authority.
* Clears conditions identified through the underwriting process and prepares file for closing.
* Informs processors, mortgage loan officers, closers and management of changes, status updates, findings and credit decisions.
* Manages assigned pipeline; Disposition loans within 24
* hours of receipt and timely resolves conditions.
* Completes, passes and maintains an up to date status for all positional and company required compliance and regulatory courses by assigned due date(s).
* Participates in special projects and assignments and performs other duties as assigned.
* Requirements
* To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.
* The requirements listed below are representative of the knowledge, skill, and/or ability required.
* Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions

What Does A Mortgage Underwriter Do At Capital One

* Capital One’s Financial Institutions Group (FIG) has an immediate need for a Head of Underwriting to join our growing Residential Mortgage Warehousing and Lender Finance team.
* The incumbent will provide leadership to cross-functional deal teams in underwriting Residential Mortgage Warehousing and Lender Finance transactions.
* This includes, but is not limited to, transaction due diligence, structuring, compliance, negotiation, credit approval memos, analytics, approval, and legal documentation.
* The individual will underwrite new transactions, and work with team members to manage, monitor, and report on portfolio accounts.
* Specific responsibilities may include, but are not limited to:
* Plays a key role completing and presenting credit approval memos, pricing models, and periodic portfolio reviews.
* Leads or directly involved in underwriting and documenting structured loan transactions.
* Performs underwriting diligence, including industry research, company research, identifying a borrower’s performance drivers, projecting future performance & anticipated ability to repay debt, collateral quality and volatility, as well as assessing how stress cases impact the credit.
* Prepares risk assessments and presents senior management with a clear and consistent approach to mitigate credit, legal, regulatory and other relevant risks.
* Negotiates terms and conditions for transactions and works with cross-functional teams to ensure appropriate documentation.
* Manages, monitors and reports on portfolio of accounts.
* Manages accounts to ensure customer retention and performance to specifications.
* Performs rigorous analysis of transactions and resolves problem accounts in partnership with other teams and specialists.
* Coaches and develops junior team members.
* Partners with Relationship Managers and Portfolio/Operations Managers to cultivate excellent client relationships.
* Exhibits a sense of urgency towards meeting client requests while also meeting acceptable risk parameters.
* Understands and promotes bank and Capital Markets products to assist the Relationship Managers in meeting profitability targets.
* Ensures compliance with credit policies and procedures

What Does A Mortgage Underwriter Do At MUFG Union Bank

Reviews and evaluates borrower(s) profile including but not limited to all income documentation (including complex business and personal tax returns), credit reports, asset documentation, purchase agreements, preliminary title report and appraisals

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How To Become A Mortgage Underwriter

Most loan officers need a bachelor’s degree and receive on-the-job training. Mortgage loan officers must be licensed.


Loan officers typically need a bachelor’s degree, usually in a field such as business or finance. Because commercial loan officers analyze the finances of businesses applying for credit, they need to understand general business accounting, including how to read financial statements.  

Some loan officers may be able to enter the occupation without a bachelor’s degree if they have related work experience, such as experience in sales, customer service, or banking. 


Once hired, loan officers usually receive some on-the-job training. This may be a combination of formal, company-sponsored training and informal training during the first few months on the job.

Licenses, Certifications, and Registrations

Mortgage loan officers must have a Mortgage Loan Originator (MLO) license. To become licensed, they must complete at least 20 hours of coursework, pass an exam, and submit to background and credit checks. Licenses must be renewed annually, and individual states may have additional requirements.

Several banking associations, including the American Bankers Association and the Mortgage Bankers Association, as well as a number of schools, offer courses, training programs, or certifications for loan officers. Although not required, certification shows dedication and expertise and thus may enhance a candidate’s employment opportunities. 

Important Qualities

Decisionmaking skills. Loan officers must assess an applicant’s financial information and decide whether to award the applicant a loan. 

Detail oriented. Each piece of information on an application can have a major effect on the profitability of a loan, meaning that loan officers must pay attention to detail.

Initiative. Loan officers need to seek out new clients. They often act as salespeople, promoting their lending institution and contacting firms to determine their need for a loan.

Interpersonal skills. Because loan officers work with people, they must be able to guide customers through the application process and answer their questions.

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Mortgage Underwriter jobs

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Mortgage Underwriter Career Paths

Mortgage Underwriter
Quality Control Quality Assurance Business Analyst
Assistant Vice President
7 Yearsyrs
Quality Assurance Specialist Operation Supervisor Operations Officer
Assistant Vice President Operations
8 Yearsyrs
Senior Analyst Vice President And Manager Senior Loan Officer
Branch Manager/Loan Officer
5 Yearsyrs
Real Estate Agent Finance Service Representative Assistant Branch Manager
Branch Operations Manager
6 Yearsyrs
Auditor Operations Manager Branch Manager
Branch Sales Manager
6 Yearsyrs
Quality Assurance Analyst Project Coordinator Business Manager
Business Operations Manager
8 Yearsyrs
Real Estate Agent Personal Banker Credit Analyst
Credit Manager
5 Yearsyrs
Compliance Analyst Assistant Vice President
Credit Officer
5 Yearsyrs
Realtor Sales Consultant Internet Sales Manager
Finance And Insurance Manager
6 Yearsyrs
Quality Control Analyst Quality Control Specialist Underwriter
Lending Services Manager
7 Yearsyrs
Quality Assurance Analyst Business Analyst Program Manager
Portfolio Manager
7 Yearsyrs
Analyst Finance Analyst Account Manager
Relationship Manager
6 Yearsyrs
Quality Assurance Senior Consultant Risk Manager
Risk Management Director
7 Yearsyrs
Compliance Analyst Senior Analyst Senior Consultant
Risk Manager
8 Yearsyrs
Quality Control Project Manager Program Manager
Senior Manager
10 Yearsyrs
Auditor Analyst Underwriter
Senior Underwriter
8 Yearsyrs
Senior Underwriter
Underwriting Manager
8 Yearsyrs
Senior Underwriter Assistant Vice President
Vice President And Manager
10 Yearsyrs
Analyst Business Analyst Assistant Vice President
Vice President Operation Manager
9 Yearsyrs
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Mortgage Underwriter Demographics


  • Female

  • Male

  • Unknown



  • White

  • Hispanic or Latino

  • Asian

  • Unknown

  • Black or African American

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Languages Spoken

  • Spanish

  • Mandarin

  • Chinese

  • French

  • Portuguese

  • Cantonese

  • Russian

  • Italian

  • Greek

  • Japanese

  • Swedish

  • Vietnamese

  • Hindi

  • Korean

  • Bulgarian

  • Igbo

  • Armenian

  • Tamil

  • Filipino

  • Albanian

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Mortgage Underwriter

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Mortgage Underwriter Education

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Real Mortgage Underwriter Salaries

Job Title Company Location Start Date Salary
Mortgage Underwriter Summit Mortgage Bankers, Inc. NY Jun 15, 2015 $58,561
Mortgage Underwriter City Capital Mortgage Banking Corp. Floral Park, NY May 22, 2008 $57,956
Underwriter Commercial Mortgages Fortune Commercial Capital LLC Laurel, MD Jan 19, 2011 $40,200
Underwriter Commercial Mortgages Fortune Commercial Capital LLC Burtonsville, MD Mar 10, 2011 $40,200
Underwriter Commercial Mortgages Fortune Commercial Capital, LLC North Potomac, MD Oct 01, 2010 $40,200
Underwriter Commercial Mortgages Fortune Commercial Capital LLC North Potomac, MD Oct 01, 2010 $40,200
Underwriter Commercial Mortgages Fortune Commercial Capital, LLC Laurel, MD Oct 01, 2010 $40,200

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Top Skills for A Mortgage Underwriter


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Top Mortgage Underwriter Skills

  1. Income Documentation
  2. Property Appraisals
  3. Ensure Compliance
You can check out examples of real life uses of top skills on resumes here:
  • Examined income documentation, assessed collateral risk, and evaluated credit eligibility.
  • Reviewed property appraisals, verifying the comps support the value of the subject property.
  • Perform quality assurance audits to ensure compliance with Capital One policy, procedures, and regulatory requirements.
  • Offered FHA financing when members were eligible through a joint Military Family Home Loan venture with Wells Fargo.
  • Gained extensive experience in underwriting FHA, VA and Fannie Mae loans.

Top Mortgage Underwriter Employers

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