Mortgage Underwriter (Kingston)


: $89,686.67 - $157,290.00 /year *

Employment Type

: Full-Time


: Financial Services - Insurance

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Mid-Island Mortgage Corp. is currently seeking an experienced FHA DE Underwriter to join our growing team in our Westbury, NY corporate office. In this position, you will work in partnership with our customers, Loan Officers and Processing teams to ensure mortgage loan applications meet program/product specifications.

Job duties include, but are not limited to:

  • Underwrite FHA/VA and Conforming loan applications ensuring adherence to Company and investor credit quality standards.
  • Analyze mortgage loan files, which includes customer's application, income documentation, appraisal and title reports, to ensure compliance with the company's policies, as well as, state and federal regulations.
  • Analyze loan attributes and documentation for soundness and accuracy.
  • Analyze loan applications to identify any risk issues and/or potential misrepresentation.
  • Evaluate overall income, credit and equity of each loan application.
  • Ensure all required documentation has been received and completed for the loan process approval.
  • Determine the amount of loan to be approved when all criteria for underwriting have been met. Make recommendation for loan approval.
  • Support Loan Officers during the qualification process and for turndown decisions.
  • Provide support to Loan Officers and Processors regarding questions and/or clarification of inquiries, loan files, and underwriting guidelines.
  • Ensure timely review and follow-up steps in order to meet and exceed customer's expectations.
  • Keep up-to-date on investor and regulatory policies, procedures and changes that affect mortgage underwriting.
  • Communicate with customers, team members and management on outstanding requirements and conditions, as well as, the status of each loan application.


The candidate should be oriented toward a deal driven environment and capable of managing multiple transactions simultaneously under tight time pressure. Additionally, the candidate must be able to work full-time at our Westbury, NY corporate office.

  • FHA DE Designation required (CHUMS#)
  • A minimum of 5 years FHA Underwriting experience as a DE
  • Thorough knowledge and understanding of all federal and state guidelines
  • Ability to read, analyze and interpret technical procedures and government regulations
  • Superior internal and external customer service skills
  • Exceptional written and verbal communication skills
  • Exceptional organizational skills
  • Ability to work independently and be a team player
  • Ability to work with all levels of the company
  • Exceptional attention to details
  • Must be proactive and reliable
  • Proficient computer skills

Mid-Island Mortgage Corp. is an Equal Opportunity Employer M/F/V/D

Associated topics: banking product, banking service, banking solution, collection analyst, loan, loan review officer, mortgage loan, mortgage loan officer, personal banker ii, personal banker iv * The salary listed in the header is an estimate based on salary data for similar jobs in the same area. Salary or compensation data found in the job description is accurate.

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