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Mortgage Underwriting Jobs in Decatur, GA (NOW HIRING)

Huntington

Underwriter Senior - Home Lending

Atlanta, GA · On-site +1

$112K/yr

Confidence in underwriting risk-based portfolio product set from our Wealth Management Group. Underwrite file from initial decision to clear-to-close, utilizing mortgage software in a paperless ...

Huntington

Underwriter Senior - Home Lending

Atlanta, GA · On-site +1

$112K/yr

Three or more years of mortgage underwriting experience in the 1st mortgage arena (includes FHMA and FHLMC) * Must have recent underwriting experience with all conventional/government lending ...

Huntington

Underwriter Senior - Home Lending

Atlanta, GA · On-site +1

$112K/yr

Three or more years of mortgage underwriting experience in the 1st mortgage arena (includes FHMA and FHLMC) * Must have recent underwriting experience with all conventional/government lending ...

Huntington

Underwriter Senior - Home Lending

Atlanta, GA · On-site +1

$112K/yr

Confidence in underwriting risk-based portfolio product set from our Wealth Management Group. Underwrite file from initial decision to clear-to-close, utilizing mortgage software in a paperless ...

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 ...

ProPlus Staffing LLC

Mortgage Processor

Atlanta, GA · On-site

$38K - $52K/yr

Prepare and submit loan files to underwriting for approval. * Maintain communication with clients, real estate agents, and other stakeholders throughout the mortgage process. * Ensure compliance with ...

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How much do mortgage underwriting jobs pay per hour?

As of Aug 23, 2026, the average hourly pay for mortgage underwriting 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 is mortgage underwriting?

Mortgage underwriting is the process lenders use to assess the risk of offering a home loan to a potential borrower. During underwriting, the underwriter reviews the applicant's financial information, credit history, employment status, and the property details to determine if the loan meets the lender's requirements. The goal is to ensure the borrower is capable of repaying the loan and that the property serves as sufficient collateral. The process helps protect both the lender and the borrower from entering into an unsustainable loan agreement.

What are some common challenges mortgage underwriters face when evaluating loan applications?

Mortgage underwriters often encounter challenges such as assessing incomplete or inconsistent borrower documentation and staying current with frequently changing lending guidelines. Another common difficulty is balancing the need for thorough risk assessment with the pressure to meet processing deadlines. Collaboration with loan officers and processors is essential to resolve issues efficiently and ensure compliance, making strong communication and attention to detail critical in this role.

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 guidelines, risk assessment, and financial analysis, often supported by industry experience or relevant certifications. Familiarity with loan origination systems (LOS), automated underwriting systems (AUS) such as DU and LP, and compliance software is typically required. Strong attention to detail, analytical thinking, and effective communication skills help underwriters make sound decisions and clearly explain outcomes. These abilities are crucial for minimizing risk, ensuring regulatory compliance, and delivering timely, accurate loan approvals.

What is the difference between Mortgage Underwriting vs Loan Processor?

AspectMortgage UnderwritingLoan Processor
Primary RoleAssessing loan risk and approving or denying mortgage applicationsGathering documents, verifying information, and preparing loan files
Required CredentialsTypically requires mortgage licensing, underwriting certifications, and knowledge of lending guidelinesOften requires loan processing experience and familiarity with documentation
Work EnvironmentOffice setting, working closely with underwriters, lenders, and appraisersOffice environment, coordinating with borrowers, real estate agents, and lenders

Mortgage Underwriting focuses on evaluating the risk of a loan and making approval decisions, while Loan Processors handle the administrative tasks of collecting and verifying borrower information. Both roles are essential in the mortgage lending process and often work together to ensure smooth loan approval.

Is mortgage underwriting a good career?

Mortgage underwriting is a stable career that involves evaluating loan applications to assess risk and ensure compliance with lending standards. It requires attention to detail, analytical skills, and knowledge of financial documents, often supported by industry certifications. The role typically offers regular hours and opportunities for advancement within the financial services sector.

What do mortgage underwriters get paid?

Mortgage underwriters typically earn a median annual salary of around $60,000 to $80,000, depending on experience, location, and employer. Salaries can increase with certifications, specialized skills, and years of experience in the field.

What are popular job titles related to Mortgage Underwriting jobs in Decatur, GA?

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

What job categories do people searching Mortgage Underwriting jobs in Decatur, GA look for?

The top searched job categories for Mortgage Underwriting jobs in Decatur, GA are:

What cities near Decatur, GA are hiring for Mortgage Underwriting jobs?

Cities near Decatur, GA with the most Mortgage Underwriting job openings:

Mortgage Underwriting jobs near you
Infographic showing various Mortgage Underwriting job openings in Decatur, GA as of August 2026, with employment types broken down into 89% Full Time, 8% Part Time, and 3% Contract. Highlights an 73% Physical, 9% Hybrid, and 18% 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 yesterday

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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