QUALIFICATIONS:

• Bachelor’s degree in finance, accounting, business administration, or a related field.
• 3+ years of experience in residential mortgage underwriting, preferably in a banking or financial services environment.
• Strong understanding of mortgage lending regulations, including but not limited to TRID, RESPA, and FHA/VA guidelines.
• Proficiency in using underwriting software and tools, as well as Microsoft Office applications.
• Excellent analytical skills with the ability to interpret complex financial information and make sound underwriting decisions.
• Exceptional attention to detail and accuracy in documentation and data analysis.
• Effective communication skills, both verbal and written, with the ability to interact professionally with internal and external stakeholders.
• Ability to work independently and collaboratively in a fast-paced environment, managing multiple priorities and meeting deadlines.
  Ascendo is a certified minority owned staffing firm, and we welcome and celebrate diversity.
  Ascendo is an Equal Opportunity Employer and does not discriminate on the basis of race, color, religion, sex (including pregnancy and gender identity), national origin, political affiliation, sexual orientation, marital status, disability, genetic information, age, parental status, military service or any other characteristic protected by federal, state or local law.
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RESPONSIBILITIES:

• Evaluate residential mortgage applications to determine creditworthiness, including but not limited to assessing income, assets, liabilities, credit history, and property valuation.
• Analyze financial documents such as tax returns, pay stubs, bank statements, and credit reports to verify accuracy and completeness.
• Review appraisal reports, title commitments, and other relevant documentation to assess property value and ensure compliance with lending guidelines.
• Calculate debt-to-income ratios, loan-to-value ratios, and other financial metrics to assess risk and make informed lending decisions.
• Collaborate with loan officers, processors, and other stakeholders to obtain additional information and documentation as needed.
• Communicate lending decisions and underwriting requirements to loan originators and borrowers in a clear and timely manner.
• Stay updated on industry trends, regulatory changes, and best practices related to residential underwriting.