Jumbo Mortgage Underwriter

The Jumbo Mortgage Loan Underwriter will review and underwrite high net worth borrower loan applications, including non-conforming scenarios with complex credit, income, and asset profiles. They will analyze credit reports, income documentation, asset statements, and appraisals to ensure compliance with internal guidelines and investor overlays. Responsibilities include accurately calculating all income types, issuing timely and accurate credit decisions, performing cash flow analysis, and evaluating loan applications to determine eligibility and compliance with investor, state, and federal guidelines. The underwriter will also underwrite to multiple Non-Agency Jumbo and private investor guidelines, identify key factors affecting borrower and property eligibility, and collaborate effectively with sales, processing, and closing teams. They will review resubmissions and conditions promptly, maintain compliance with FNMA, FHLMC, Non-QM, and internal overlays, and balance risk management with a customer-first mindset. Additionally, they will utilize an analytical and methodical approach to underwriting Jumbo loans, perform credit and collateral analysis, review initial submissions, and maintain awareness of regulatory changes and investor guideline updates.