Ascendo Resources · 17 hours ago
Residential Mortgage Underwriter
Miami, FL
Full-time
Onsite
Senior Level
$70K/yr - $90K/yr
5+ years expAscendo Resources is a well-established financial institution seeking an experienced Residential Mortgage Underwriter to join its credit team. This role is responsible for evaluating residential mortgage loan applications and ensuring compliance with internal policies and regulatory requirements while supporting the organization’s lending strategy.
Human ResourcesStaffing Agency
Hiring Manager
Ivan Pulido (Executive Recruiter - Financial Services)
Responsibilities
Review and analyze residential mortgage loan applications and supporting documentation (credit reports, income, tax returns, appraisals, etc.)
Assess borrower creditworthiness, including DTI, LTV, and overall risk profile
Ensure adherence to internal credit policy, investor guidelines, and regulatory standards, including non-resident alien lending requirements
Issue underwriting decisions (approve, conditional approve, or decline) with clear and well-documented rationale
Partner with loan officers and processors to resolve conditions and ensure file completeness
Maintain thorough and organized underwriting documentation
Stay current on regulatory changes, underwriting best practices, and market trends
Provide guidance, feedback, and support to internal stakeholders as needed
Contribute to continuous improvement of underwriting policies and risk controls
Qualification
Required
Experience in evaluating residential mortgage loan applications
Strong analytical judgment
Attention to detail
Disciplined approach to credit risk
Ability to assess borrower creditworthiness, including DTI, LTV, and overall risk profile
Ensure adherence to internal credit policy, investor guidelines, and regulatory standards
Ability to issue underwriting decisions with clear and well-documented rationale
Ability to partner with loan officers and processors to resolve conditions and ensure file completeness
Maintain thorough and organized underwriting documentation
Stay current on regulatory changes, underwriting best practices, and market trends
Provide guidance, feedback, and support to internal stakeholders
Preferred
Bachelor's degree in Finance, Business, or a related field
5+ years of residential mortgage underwriting experience
Direct experience underwriting non-resident alien loans
Strong understanding of regulatory and compliance frameworks, including BSA and OFAC
Proficiency with loan origination and underwriting systems (e.g., Encompass)
Strong written and verbal communication skills with sound credit judgment
Benefits
Comprehensive medical, dental, and vision coverage.
Paid time off and holidays.
Ongoing professional development opportunities.
Collaborative, performance-driven work environment.
Company
Ascendo Resources
Ascendo Resources is a staffing and recruiting company providing accounting, finance, and it recruiting services.
201-500 employees
Funding
Current Stage
Growth StageLeadership Team
Scott Berger
Co-Founder of Healthcare Operations
Brandie Jimenez
Partner at Ascendo Resources
Recent News
2022-02-01
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