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Mortgage Underwriter

EPM

Role overview

Qualifications

  • 5+ years of mortgage underwriting or mortgage lending experience
  • Active DE/CHUMS and LAPP/SAR certification required
  • Minimum 2 years of manual underwriting experience
  • Strong knowledge of conventional, FHA, VA, USDA, and Non-QM loan products

Responsibilities

  • Independently underwrite a wide range of mortgage loans
  • Review and analyze credit, income, assets, collateral, and supporting documentation
  • Ensure loan files meet HUD, FHA, investor, regulatory, and internal guidelines
  • Communicate underwriting decisions and conditions to loan officers and internal partners

Key facts

Hard skills

Risk Analysis Underwriting Conventional Lending Mortgage Loans VA Loans Federal Lending Short Term Loans Encompass (Mortgage Software)

Other skills

  • Decision Making
  • Microsoft Office
  • Communication
  • Problem Solving
  • Organizational Skills
  • Detail Oriented

About the company

EPM logo

EPM

Mortgage & Real Estate Finance

Equity Prime Mortgage LLC is a licensed mortgage lender whose operations extend across the country (50 states). We provide a variety of mortgage products to assist you with finding solutions to all of your mortgage needs. Mission: We are a resource, and voice, for financial empowerment. Vision: To continue to offer top financial service, communication and assistance to the communities we serve. We are an approved Ginnie Mae, Fannie Mae & Freddie Mac Seller/Servicer. Hablo Español Empowering People More. Contact@epm.net or (877) 255-3554 Information is subject to change without notice. Massachusetts Mortgage Lender License #ML 21116. Licensed by the NJ Department of Banking and Insurance. AZ Banker License #0921685. Licensed by the Mississippi Department of Banking and Consumer Finance. Georgia Residential Mortgage License #23300. Licensed by the Pennsylvania Department of Banking. Equity Prime Mortgage LLC, NMLS #21116. (www.nmlsconsumeraccess.org) All Rights Reserved. Copyright 2020. https://equityprime.com/page/privacy-statement While we do not discriminate against views or opinions posted to our social networking accounts, we reserve the right to remove or not approve any comment. A comment will not be edited or modified to remove unacceptable content; the entire comment will simply be deleted. All submitted comments will be reviewed before posting. Some of the reasons we may remove or not approve a comment are listed below: • Abusive, vulgar, obscene, racist, threatening, or harassing comments. • Libel, slander, or personal attacks of any kind, including the use of offensive terms that target specific individuals or groups. • Spam, including content that promotes products or services or contains gratuitous links. • Makes unsupported accusations or claims. • Comments that suggest or encourage illegal, dangerous, or destructive activity. • Duplicate posts. • Off topic commentary. • Political campaigning or lobbying.

Company details

IndustryMortgage & Real Estate Finance
Company size201 - 500

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Job description

Mortgage Underwriter

About EPM

Founded in 2008, EPM is one of the leading wholesale mortgage lenders in the U.S. Headquartered in Atlanta, GA, and licensed in all 50 states, we offer a full range of loan products — including conventional, FHA, VA, non-QM, renovation, and USDA.

Our vision is to live in a world where everyone has the opportunity for The American Gift. Our goal is not only to facilitate homeownership but also to empower individuals and families through informed financial decisions.

Empowering You. We’re committed to giving our team members the operational support, technology, and tools they need to work efficiently and deliver exceptional service. Combined with a collaborative culture rooted in radical candor and innovation, we empower our people to do their best work every day while helping to shape our future.

The Role

EPM is growing and looking for an experienced Mortgage Underwriter to join our team. In this role, you'll evaluate residential mortgage loan applications, analyze borrower qualifications, and make sound underwriting decisions while ensuring compliance with investor, regulatory, and company guidelines. This position offers the opportunity to work with a wide range of loan products in a collaborative, fast-paced environment.


What You'll Do
  • Independently underwrite a wide range of mortgage loans, including FHA, VA, USDA, conventional, and Non-QM products
  • Review and analyze credit, income, assets, collateral, and supporting documentation to determine loan eligibility and assess risk through both AUS and manual underwriting
  • Ensure loan files meet HUD, FHA, investor, regulatory, and internal guidelines and overlays
  • Request and evaluate additional documentation as needed to make accurate underwriting decisions
  • Approve or deny mortgage loans while clearly documenting the rationale for each decision
  • Communicate underwriting decisions and conditions to loan officers and internal partners
  • Collaborate with operations teams, clients, and brokers to ensure timely and accurate loan processing
  • Meet company service level agreements (SLAs) for turnaround times and file quality
  • Provide exceptional customer service by responding to underwriting questions and documentation requests
  • Support additional underwriting responsibilities as business needs require

    • What You Bring
  • 5+ years of mortgage underwriting or mortgage lending experience
  • Active DE/CHUMS and LAPP/SAR certification required
  • Minimum 2 years of manual underwriting experience
  • Recent wholesale underwriting experience required
  • High school diploma required; college degree preferred
  • Strong knowledge of conventional, FHA, VA, USDA, and Non-QM loan products
  • Working knowledge of federal mortgage regulations, including RESPA, TILA, Dodd-Frank, and investor guidelines
  • Proficiency with automated underwriting systems, Encompass (preferred), and Microsoft Office
  • Strong analytical, decision-making, communication, and problem-solving skills
  • Highly organized, detail-oriented, and committed to delivering quality work in a fast-paced environment.
  •  
    • EPM is an equal opportunity employer committed to creating an inclusive environment for all employees. We do not discriminate based on race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other protected characteristic.  
     
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    Marcus Rivera

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