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Mortgage Underwriter Jobs in Decatur, GA (NOW HIRING)

Huntington

Underwriter Senior - Home Lending

Atlanta, GA · On-site +1

$112K/yr

Underwrite residential first mortgage and/or Home Equity loan applications received from mortgage loan originators, bankers and/or mortgage brokers to ensure that all credit and compliance documents ...

Huntington

Underwriter Senior - Home Lending

Atlanta, GA · On-site +1

$112K/yr

Underwrite residential first mortgage and/or Home Equity loan applications received from mortgage loan originators, bankers and/or mortgage brokers to ensure that all credit and compliance documents ...

Huntington

Underwriter Senior - Home Lending

Atlanta, GA · On-site +1

$112K/yr

Underwrite residential first mortgage and/or Home Equity loan applications received from mortgage loan originators, bankers and/or mortgage brokers to ensure that all credit and compliance documents ...

DR Horton, Inc.

Underwriter

Atlanta, GA · On-site

The Company also provides mortgage financing and title services for homebuyers through its mortgage ... D.R. Horton, Inc. is currently looking for a Underwriter for their Underwriting Department. The ...

DR Horton, Inc.

Underwriter

Atlanta, GA · On-site

The Company also provides mortgage financing and title services for homebuyers through its mortgage ... D.R. Horton, Inc. is currently looking for a Underwriter for their Underwriting Department. The ...

Mortgage Solutions of Georgia

Mortgage Processor

Acworth, GA · On-site +1

$35K - $49K/yr

... underwriters • Manage a pipeline efficiently while meeting closing dates and compliance ... of mortgage processing experience • Deep understanding of lender model operations • Strong ...

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Mortgage Underwriter information

See Decatur, GA salary details

$17

$29

$53

How much do mortgage underwriter jobs pay per hour?

As of Aug 19, 2026, the average hourly pay for mortgage underwriter in Decatur, GA is $29.06, according to ZipRecruiter salary data. Most workers in this role earn between $19.23 and $33.80 per hour, depending on experience, location, and employer.

What does a mortgage underwriter do?

A mortgage underwriter determines whether to approve or decline a request for a loan based on the credit, collateral, and capacity of the borrower. As a mortgage underwriter, you typically work on both commercial and residential transactions. Your responsibilities include managing the risk for the lender and verifying the information on applications. Your duties also include working with specially designed software to help make financially sound decisions. Some positions involve a sales component where you actively solicit new business or form partnerships with realtors. A mortgage underwriting job is usually full-time and may require frequent travel to meet with clients onsite.

What does a mortgage underwriter do?

A Mortgage Underwriter is responsible for evaluating and assessing loan applications to determine if a borrower qualifies for a mortgage. They review financial documents such as credit reports, income statements, and property appraisals to ensure all guidelines and regulations are met. The underwriter's decision helps lenders manage risk and ensures that loans are only approved for qualified applicants.

What are the key skills and qualifications needed to thrive as a mortgage underwriter, and why are they important?

To thrive as a Mortgage Underwriter, you need a solid understanding of lending regulations, risk assessment, and financial analysis, often supported by a background in finance, business, or accounting. Familiarity with loan origination systems (LOS), automated underwriting systems (AUS) like DU or LP, and relevant certifications such as the Certified Mortgage Underwriter (NAMU-CMU) are typically required. Strong attention to detail, analytical thinking, and effective communication skills help you evaluate complex applications and collaborate with loan officers. These capabilities are crucial for accurately assessing borrower risk, ensuring regulatory compliance, and maintaining the integrity of the lending process.

What are some common challenges mortgage underwriters face during the loan approval process?

Mortgage underwriters often encounter challenges such as assessing complex financial documents, identifying potential fraud, and ensuring compliance with ever-changing lending regulations. They must balance thorough risk assessment with timely decision-making to meet tight deadlines and maintain customer satisfaction. Additionally, underwriters frequently collaborate with loan officers and processors to clarify borrower information and resolve discrepancies, which requires strong communication and problem-solving skills.

What is the difference between Mortgage Underwriter vs Loan Processor?

AspectMortgage UnderwriterLoan Processor
CredentialsTypically requires mortgage licensing, underwriting certifications, or related trainingRequires loan processing training, sometimes mortgage licensing, but less specialized
Work EnvironmentAnalyzes loan applications, reviews financial documents, and assesses riskPrepares and organizes loan documents, communicates with applicants and lenders
Employer & IndustryFinancial institutions, mortgage lenders, banksMortgage companies, banks, credit unions

The main difference is that mortgage underwriters evaluate the risk of a loan application and make approval decisions, while loan processors handle the documentation and preparation process to ensure all required information is complete for underwriting.

Is it hard to become a mortgage underwriter?

Becoming a mortgage underwriter typically requires a high school diploma or equivalent, with many employers preferring candidates with a bachelor's degree in finance, business, or a related field. The role involves understanding loan documentation, credit analysis, and industry regulations, often requiring on-the-job training or certification such as the Mortgage Underwriting Certification. While the job can be competitive, gaining relevant experience and developing strong analytical skills can facilitate entry into the field.

Is mortgage underwriting a stressful job?

Mortgage underwriting can be a stressful job due to tight deadlines, high accuracy requirements, and the need to assess financial risk accurately. Underwriters often work in fast-paced environments and must review complex financial documents, which can contribute to job pressure. However, workload and stress levels vary depending on the employer and individual experience.

What qualifications do you need to be a mortgage underwriter?

To become a mortgage underwriter, candidates typically need a high school diploma or equivalent, with many employers preferring a bachelor's degree in finance, economics, or a related field. Relevant skills include attention to detail, analytical ability, and experience with underwriting software or financial analysis. Certifications such as the Mortgage Bankers Association's Certified Mortgage Underwriter (CMU) can enhance job prospects.
More about Mortgage Underwriter jobs

What are the most commonly searched types of Mortgage Underwriter jobs in Decatur, GA?

The most popular types of Mortgage Underwriter jobs in Decatur, GA are:

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For Mortgage Underwriter jobs in Decatur, GA, the most frequently searched job titles are:

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Mortgage Underwriter jobs near you
Infographic showing various Mortgage Underwriter job openings in Decatur, GA as of August 2026, with employment types broken down into 88% Full Time, 10% Part Time, and 2% Contract. Highlights an 77% Physical, 4% Hybrid, and 19% Remote job distribution, with an average salary of $60,437 per year, or $29.1 per hour.

Retail Mortgage Underwriter (Jumbo & Conventional-Focused)

Georgia Banking Company

Atlanta, GA • On-site

Full-time

Re-posted 27 days ago

Job description

The Retail Mortgage Underwriter (Jumbo & Conventional) is responsible for reviewing, analyzing, and underwriting residential mortgage loan applications with a focus on conventional conforming and jumbo products. This role ensures sound credit decisions in alignment with Georgia Banking Company's credit policies, investor guidelines, and regulatory requirements, while balancing risk management with service and speed.
This position plays a critical role in supporting GBC's growth in high-balance lending and maintaining a strong credit culture across the Retail Mortgage platform. Key Responsibilities:
Underwriting & Credit Analysis
  • Review and underwrite residential mortgage loan files, primarily conventional (Fannie Mae/Freddie Mac) and jumbo loans.
  • Analyze borrower credit, income, assets, liquidity, and collateral, with an emphasis on complex financial profiles.
  • Evaluate self-employed borrowers, high-net-worth clients, multiple income streams, and layered risk scenarios.
  • Assess jumbo loan structures, including reserves, liquidity, and compensating factors.
  • Apply DU/LP findings, overlays, and internal jumbo guidelines to determine creditworthiness.

Decisioning & Conditions
  • Issue clear, well-supported loan approvals, suspensions, or denials.
  • Structure loans and determine appropriate conditions based on risk characteristics and loan type.
  • Partner with Sales and Operations to proactively address deal challenges and move loans to closing.

Compliance & Risk Management
  • Ensure all loans comply with agency, investor, and internal jumbo guidelines, as well as applicable regulatory requirements.
  • Maintain high loan quality standards with strong attention to detail and documentation.
  • Identify inconsistencies, red flags, and potential fraud risk and escalate as appropriate.

Collaboration & Communication
  • Act as a key partner to Loan Officers, Processors, and Secondary/Capital Markets on loan structuring.
  • Provide clear, timely communication on underwriting decisions, conditions, and exceptions.
  • Support a solutions-oriented, service-driven culture across the mortgage platform.

Pipeline & Performance Management
  • Manage an active pipeline of loans while meeting turn-time and service level expectations.
  • Maintain accurate file documentation within LOS systems (e.g., Encompass).
  • Stay current on changes to agency guidelines, jumbo investor requirements, and market conditions.

Requirements
  • 4-8+ years of residential mortgage underwriting experience
  • Strong experience underwriting conventional and jumbo loans.
  • Deep understanding of income analysis, including self-employed borrowers
  • Proven ability to manage complex files and high loan volumes
  • Must live in the Atlanta area

Preferred
  • Experience with Encompass
  • Experience underwriting Non-QM loans
  • Experience underwriting portfolio/jumbo loans within a community or regional bank
  • Exposure to high-net-worth client financials

Skills & Competencies
  • Strong analytical and credit decisioning ability
  • High attention to detail and risk awareness
  • Ability to assess complex financial scenarios and layered risk
  • Strong communication and collaboration skills
  • Ability to prioritize and perform in a fast-paced, production environment

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