New Jersey Licensed Mortgage Underwriter

Job Summary

Collaborating with the Underwriting Manager, the full-time New Jersey Licensed Mortgage Underwriter will ensure loan files are complete and compliant with company and regulatory guidelines while working remotely.

Key responsibilities:

• Apply internal loan approval policies and investor guidelines during the underwriting process
• Accurately calculate Loan-to-Value (LTV) and Debt-to-Income (DTI) ratios, approving loans that meet company standards
• Conduct a holistic evaluation of each borrower's profile and communicate clear conditions for approval

Required qualifications:

• Minimum of 5 years of mortgage underwriting experience with FHA, Conventional, and VA loan products
• DE (Direct Endorsement) Certification required; VA LAPP/SAR Certification preferred
• Proficiency with Desktop Underwriter (DU) and Loan Product Advisor (LP) required
• Strong understanding of investor and agency guidelines, credit risk, and compliance standards
• Demonstrated ability to collaborate effectively with sales teams and operational partners