Mortgage Underwriter

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EPM

WebsiteLinkedInAll Job Openings

201 - 500 employees

Founded 2008

💸 Finance

🏠 Real Estate

🤝 B2B

Finance • Real Estate • B2B

EPM is Equity Prime Mortgage (EPM), a wholesale mortgage lender and broker partner offering a full array of mortgage products and services to mortgage brokers and correspondent partners. EPM provides loan origination, underwriting, processing, a lock desk, partner portals (EPMX), and works with appraisal and title vendors to speed closings. The company emphasizes fast turn times and B2B relationships, is licensed in multiple U. S. states, and positions itself as an all‑in‑one partner for brokered residential lending.

📋 Description

• Independently underwriting a wide range of mortgage loans, including FHA, VA, USDA, and conventional products, while ensuring compliance, risk assessment, and sound decision-making based on both AUS and manual analysis. • Ensure all loan files meet HUD, FHA, investor, regulatory, and internal guidelines and overlays. • Review and analyze credit, income, assets, and collateral documentation to determine loan eligibility; Inquire about any additional information needed to determine loan risk. • Ensure that once all information is received it is accurate, it meets compliance standards, and it aligns with company policies. • Communicate and document reasons for approval or rejection of loans so clients and loan officers are well-informed of decisions. • Collaborate with internal operations team members, clients, and brokers to gather necessary documentation, clarify information, and ensure smooth processing of loan applications.

🎯 Requirements

• 5+ years of mortgage underwriting experience or mortgage lending experience required. • Active DE/CHUMS and LAPP/SAR certification required. • 2+ years' experience with manual underwrites. • High school diploma required; college degree preferred. • Understanding of compliance standards, including federal regulations (e.g., RESPA, TILA, and Dodd-Frank) and company policies. • Knowledgeable in automated underwriting systems and Microsoft office. • Recent experience with wholesale underwriting. • Proficiency with Encompass loan origination system preferred.

🏖️ Benefits

• EPM is an equal opportunity employer committed to creating an inclusive environment for all employees.