Florida Licensed Mortgage Underwriter

Job Summary

Detail-oriented and forward-thinking, the full-time remote Florida Licensed Mortgage Underwriter will conduct credit analysis, evaluate risk, and ensure loan structures align with company standards while making independent decisions on complex borrower scenarios.

Key responsibilities

• Conduct in-depth quantitative and qualitative credit analysis to assess borrower creditworthiness and repayment capacity
• Review loan requests for policy exceptions and perform risk reviews throughout the loan cycle
• Collaborate with internal and external partners to resolve complex underwriting scenarios and prepare credit memos for approval committees

Required qualifications

• Minimum 3-5 years of mortgage underwriting or credit analysis experience in private or investment lending
• Strong risk assessment and cash flow modeling skills for investment properties
• Thorough understanding of mortgage loan structures and secondary market expectations
• Proven track record handling complex borrower profiles and structured loan products
• Familiarity with risk management frameworks and underwriting systems