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Associated Mortgage Bankers, Inc. NMLS# 24794 · 4 hours ago

Mortgage Underwriter

Miami, FL, US

Full-time

Onsite

Senior Level

$80K/yr - $80K/yr

5+ years exp

Associated Mortgage Bankers, Inc. is a recognized name in the mortgage industry, and they are seeking an experienced Mortgage Underwriter to join their expanding underwriting team. This role will focus on high-end, purchase-focused transactions, providing thoughtful credit analysis and collaboration within a luxury real estate environment.

BankingFinancial Services

Responsibilities

Underwrite Non-QM loan products, including DSCR, bank statement, and alternative income programs

Underwrite Conventional, FHA, VA, and USDA residential mortgage loans

Analyze borrower creditworthiness, income documentation, assets, liabilities, and complex financial profiles

Review property characteristics, appraisals, and collateral risk

Ensure all loans meet investor guidelines, internal credit standards, and regulatory requirements

Clearly communicate underwriting decisions, conditions, and alternatives to internal teams

Respond to product questions and scenario requests with sound credit guidance

Maintain quality, accuracy, and turnaround time standards

Assist with training and mentoring junior underwriters as needed

Stay current on guideline updates, investor overlays, and regulatory changes

Qualification

Mortgage Underwriting ExperienceNon-QM LoansEncompass ExperienceAgency Products UnderwritingAppraisal ReviewMortgage Regulations KnowledgeAnalytical SkillsProfessional CommunicationAttention to Detail