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Mortgage Underwriter

Large Banking Company Saint Petersburg ,FL
  • Expired: over a month ago. Applications are no longer accepted.
Job Description


Position Summary

Review all loan applications for compliance with underwriting, investor, government, FNMA and FHLMC guidelines. Analysis of loan application files income, assets, collateral, and creditworthiness based on program and product specifications.

Duties and Responsibilities

The Essential functions include, but are not limited to the following:

Perform other duties as assigned.

Non-Essential Duties include

Management assigned functions to provide reasonable accommodations to enable individual with disabilities to perform minimum essential functions.

Qualifications Requirements

5+ years’ experience in the mortgage industry with direct experience underwriting residential mortgage loans.

Must possess strong Manual and AUS underwriting skills.

Ability to underwrite files according to FNMA/FHLMC standards.

Knowledge of mortgage insurance (MI) guidelines.

Previous experience with Encompass preferred, not required.

Appraisal review experience with knowledge of USPAP and agency guidelines.

Must be able to review and calculate income from complex tax returns.

Excellent analytical, attention to detail and decision making skills.

Ability to work independently with little supervision.

Highly motivated and takes initiative.

Strong written and verbal communication skills.

FHA DE (CHUMS), VA/LAPP & SAR *preferred not required First Home Bank is a full-service community bank as well as a national SBA and Residential Mortgage Lender dedicated to providing a wide range of high quality banking services delivered in a personalized, friendly manner. Founded in 1999 and headquartered in St. Petersburg, Florida, we are a true community bank with the goal of becoming a one-stop shop and trusted financial resource for the communities that we serve.

Understanding that our employees are our most valuable resource, we are committed to providing career development opportunities, competitive compensation, and generous benefits to our entire workforce. As an organization, we encourage open communication in an environment of mutual respect, where hard work is rewarded, and a professional but informal atmosphere is valued within the workplace.

First Home Bank is an Affirmative Action/Equal Opportunity Employer and we encourage diverse, talented, qualified applicants to apply.



Large Banking Company

Why Work Here?

Amazing culture, great work environment and lots of room to grow! You can stay in this company for the long run and build a career here.


Saint Petersburg, FL