Job Description

Date posted: December 21, 2022

Underwriters are responsible for the timely review and disposition of conforming loan applications. Worked within underwriting guidelines to make calculations for qualifying and administered decisions using proprietary loan origination systems. 
Responsibilities included maintaining a working knowledge of all conventional conforming and HARP loan origination guidelines.


  • Following Underwriting/Verifier Guidelines and checklist at all times.
  • Fraud check: Underwriters needs to be vigilant in assessing a loan application given the resources provided by the company.
  • Underwriters are capable to determine fraudster using the information provided by the customer.
  • Duplicate Check in vertical
  • Loan System (Not unique information)
  • File zilla
  • Background check: Collecting background information and assessments of risk
  • Employment background
  • If Active military personnel
  • Analyzing customer credibility
  • Analyze applicants' financial status, credit, and evaluations to determine feasibility of granting loans based on underwriting rules.
  • Evaluated financial strength of the customer by analyzing his/her income and financial statement using online banking (Decision Logic)
  • Call review: This will be an additional task for underwriters to review all applications through call recording made by Production prior to final approval/batch submission 
  • They need to listen to VOB and VOE part of the call to confirm annotation is correct.
  • Any findings that considered Major Offense, Underwriter needs to send a formal endorsement to UW Supervisor. Please refer to the Major Offense SOP.


  • Underwriters are expected to work on time at their specific schedule.
  • Underwriters will directly report to assigned Team Lead and or immediate supervisor.
  • Underwriters are expected to be efficient and requires to send end of shift task to their immediate supervisor on a timely manner.
  • Underwriters are expected to follow all internal rules and regulation of the Underwriting Department and the Company’s code of conduct.
  • Underwriters needs to treat all information within the department and the company with full confidentiality.
  • Underwriters are expected to send report for daily approval, call reviewed, denied and correction Applications but not limited to the item mention.
  • All underwriters will do any related task given even not stipulated on this document.

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