We are looking for a detail-oriented mortgage underwriter to grow with our team! You’ll be responsible for analyzing and verifying real estate loan applications while evaluating risks and making loan decisions. The ideal applicant has a thorough understanding of the latest industry trends and is able to organize and prioritize their tasks efficiently and effectively. Job seekers who feel they’re a great fit for the role are highly encouraged to apply.Compensation:

$85,000 yearlyResponsibilities:

• Review and analyze loan applications: This involves meticulously examining financial documents, such as tax returns, pay stubs, credit reports, and asset statements, to assess the borrower’s ability to repay the loan.
• Evaluate financial risk: Underwriters must use their analytical skills to identify potential red flags that could indicate loan delinquency, such as high debt-to-income ratios, unstable employment, or insufficient down payments.
• Make loan eligibility decisions: Based on their analysis, underwriters determine whether to approve or deny a loan application. They may also recommend specific loan terms and conditions based on the borrower’s profile and risk assessment.
• Communicate effectively: Underwriters need to clearly explain their decisions to loan officers, borrowers, and other team members. This may involve writing detailed reports, providing justifications for loan denials, and negotiating loan terms.
• Stay up-to-date on industry regulations: The mortgage industry is constantly evolving, so underwriters must be committed to staying informed about the latest regulations and compliance requirements.

Qualifications:

• Strong analytical and problem-solving skills are essential.
• Excellent attention to detail is crucial for accurately assessing loan applications.
• Effective communication skills are necessary for interacting with borrowers, loan officers, and other team members.
• At least 3 years of experience in underwriting.
• Delegations required: VA/SAR.
• All delegations preferred: FHA, VA/SAR, USDA.
• Bond, DPA, and Housing Programs are a plus.
• Must be able to independently research with agency partners to ensure guidelines are met per AUS feedback.

About Company
At Canopy Mortgage, we know underwriters are often slowed by outdated systems, redundant steps, and unclear processes. We built our platform to change that—offering nimble, easy-to-use technology that streamlines every stage of the loan, so you can work faster, more accurately, and with less frustration. No more juggling poorly integrated programs or chasing info through layers of management. Our infrastructure blends the best of retail, wholesale, and direct-to-consumer lending, eliminating bottlenecks and giving you control over your files. We’re a team-focused company where operations and sales work hand in hand, ensuring you get the information and support you need—quickly. Here, your expertise is valued, your input matters, and your work directly impacts the customer experience

• Review and analyze loan applications: This involves meticulously examining financial documents, such as tax returns, pay stubs, credit reports, and asset statements, to assess the borrower’s ability to repay the loan.
• Evaluate financial risk: Underwriters must use their analytical skills to identify potential red flags that could indicate loan delinquency, such as high debt-to-income ratios, unstable employment, or insufficient down payments.
• Make loan eligibility decisions: Based on their analysis, underwriters determine whether to approve or deny a loan application. They may also recommend specific loan terms and conditions based on the borrower’s profile and risk assessment.
• Communicate effectively: Underwriters need to clearly explain their decisions to loan officers, borrowers, and other team members. This may involve writing detailed reports, providing justifications for loan denials, and negotiating loan terms.
• Stay up-to-date on industry regulations: The mortgage industry is constantly evolving, so underwriters must be committed to staying informed about the latest regulations and compliance requirements