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The Mortgage Underwriter evaluates residential mortgage loan applications submitted by Third-Party Originators (TPOs) to ensure compliance with agency, investor, and internal underwriting guidelines — assessing borrower creditworthiness, capacity, collateral, and overall risk to determine loan eligibility across conventional, jumbo, and non-QM loans. Underwriters work with Automated Underwriting Systems (AUS) such as Desktop Underwriter (DU) for Fannie Mae and Loan Prospector (LP) for Freddie Mac, and perform manual underwriting.

Key Responsibilities

• Review and analyze mortgage loan files from TPOs, including income, assets, credit, and property documentation
• Ensure loans meet agency (Fannie Mae, Freddie Mac), investor, and internal guidelines, including Non-QM overlays
• Utilize AUS platforms (DU, LP) to generate recommendations and confirm eligibility, while performing manual underwriting
• Calculate and verify borrower income, including W-2, self-employed, rental, and other non-traditional income sources
• Evaluate credit reports, liabilities, and overall borrower risk profile
• Review appraisals and collateral documentation for accuracy, compliance, and risk
• Issue loan decisions: approval with conditions, suspension, or denial
• Clearly communicate conditions and decisions to TPOs, production teams, and investors
• Escalate high-risk or complex cases to Senior Underwriters or Underwriting Managers
• Provide guidance, mentorship, and review for junior underwriters
• Maintain compliance with federal and state regulations (TRID, RESPA, ECOA)
• Ensure accuracy, quality, and timely loan decisions
• Participate in audits, QC reviews, and ongoing training

The Wholesale Account Executive drives loan production by building and growing a network of mortgage broker relationships, positioning loan scenarios for approval, and guiding brokers through the loan lifecycle from submission to closing.

Responsibilities

• Drive loan production by building and growing a network of mortgage broker relationships
• Structure and position loan scenarios to maximize approvals and closing
• Present and promote loan products, pricing, and value proposition
• Guide brokers through the loan lifecycle from submission to closing
• Work with underwriting and operations to ensure efficient, on-time closings
• Provide ongoing guidance to brokers on products, guidelines, and compliance

The Loan Processor serves as a liaison between the customer, underwriter, and loan originator — reviewing applications, collecting documentation, and working with underwriters to clear conditions from loan registration through funding, while providing superior customer service.

Job Description & Responsibilities

• Serve as a liaison between customer, underwriter, and loan originator for retail loans
• Perform initial review of loan applications, ensuring file and system completeness prior to file assignment to underwriter
• Request and collect documents from borrower and escrow, and work with underwriters to clear conditions from loan registration to funding
• Provide superior customer service to borrowers, with timely and periodic status updates of their loan application
• Submit loans to DU/LP; order and review Preliminary Title Reports, Appraisals, Credit Reports, Closing Protection Letters, Payoff Demands, Homeowner’s Insurance, Flood Certificates, Tax Transcripts, Pre-Close Credit Reports, and SSA’s (as needed)
• Prepare disclosures in compliance with all laws and regulations, including Loan Estimates, Closing Disclosures, Final Loan Applications, and loan documents
• Process subordinations when necessary
• Review and obtain suspense conditions to clear loans for purchase with investors in a timely manner
• Perform special projects as assigned by management

The Administration Assistant supports daily office operations and delivers excellent customer service, keeping the team organized and running smoothly. This role keeps our Arcadia office coordinated and responsive, giving our lending team the support they need to serve brokers well.