Job Description

Job Title: Mortgage Underwriter

Location: St. Petersburg, FL

# of Positions: 1

Start: 08/04/2025

End: 02/06/2026

Pay Rate: $45-$47/Hr on W2.

Working Model: Remote opportunity

Description:

Essential Duties and Responsibilities

• Underwrites credit package and makes loan decisions for residential lending applications up to the loan amount authority established by the Board of Directors.

• Underwrites credit package and prepares recommendation for presentation to Loan Committee, ensuring compliance with state, federal and if applicable, agency and investor guidelines.

• May reviews and analyze real estate appraisals for acceptance in connection with residential loan transactions.

• Maintains knowledge of loan programs, as well as secondary market investors' underwriting/documentation requirements.

• Interacts professionally with clients, associates and financial advisors to provide professional client service upholding the Service 1st philosophy.

• Obtains, prepares, and reviews documents for origination and processing phases of residential loans.

• Coordinates the approval of underwriting conditions/exceptions. Reviews the file prior to closing.

• Analyzes tax returns and financial statements and review title commitments.

• Exercises independent judgment allowing for minimal supervision of work functions while working directly with Lending Manager(s).

• May interact with mortgage insurance company liaisons to approve high loan-to-value loans.

• Reviews and analyzes procedures surrounding more efficient and cost-effective ways of handling workflow.

• Adheres to policies as established by management

• Provides information and assistance to loan applicants, as well as interacts with CPA's, financial advisors, and other parties to complete the transaction when necessary.

• Perform day-to-day monitoring of underwriting file workflow to ensure the expectations of clients, financial advisors, partners including sales, processing, support staff and vendors are met.

• Keeps management apprised of workflow, and special project developments. Communicates and coordinates changes in policy and procedures that affect other partners/departments.

• Performs other duties and responsibilities as assigned.

Skills:

• Data analysis.

• Critical thinking, problem solving, creativity.

• Organizational skills, including a high level of accuracy and attention to detail.

• Effective oral and written communications sufficient to convey details on various mortgage loan products and processes.

• Word processing, spreadsheet and typing sufficient to produce spreadsheets with basic formulas.

• Operating standard office equipment and using required software applications.

Keywords:

Education/Previous Experience

Bachelors degree and a minimum of six (6) years of residential mortgage underwriting experience.

OR ~

An equivalent combination of education, training or experience as approved by Human Resources.

Skills and Experience:

Hours Per Week: 40.00

Hours Per Day: 8.00

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