Job Description

Summary:

Ark Mortgage is seeking an experienced and detail-oriented Mortgage Underwriter to join our dynamic team. The ideal candidate will have a strong background in underwriting both conventional and non-qualified mortgage products, such as DSCR loans, bank statement loans, jumbo loans, and more. As a key part of our operations, you will ensure loan applications meet company guidelines, industry standards, and regulatory requirements while maintaining excellent internal customer service throughout the process.

Responsibilities:

• Review and underwrite conventional and Non-QM mortgage loan applications, including but not limited to DSCR, bank statement, and jumbo loans.
• Analyze credit, income, assets, and collateral documentation to assess borrower qualifications and adherence to underwriting guidelines.
• Evaluate risk, identify potential fraud, and ensure compliance with applicable federal and state regulations.
• Collaborate with Loan Officers, Processors, and other team members to resolve underwriting questions and issues.
• Provide clear, concise underwriting conditions and communicate decisions to relevant stakeholders.
• Stay updated on mortgage underwriting trends, product guidelines, and changes in regulatory requirements.
• Maintain underwriting pipeline within established timelines to ensure timely loan decisions.
• Work with management on more complex loan scenarios and participate in underwriting reviews and audits as needed.

Qualifications:

• Minimum 3-5 years of mortgage underwriting experience with both conventional and Non-QM products.
• Extensive experience with underwriting DSCR loans, bank statement loans, jumbo loans, and other Non-QM loan products.
• Thorough understanding of FNMA/FHLMC guidelines, and federal mortgage regulations.
• Strong analytical skills with the ability to assess risk and make sound decisions based on company guidelines and borrower qualifications.
• Detail-oriented with the ability to manage multiple tasks and meet deadlines in a fast-paced environment.
• Excellent communication and interpersonal skills, with the ability to work well in a team-oriented environment.
• Proficiency with mortgage underwriting software and tools.
• Must be able to work between the hours of 9AM-6PM EST

Preferred Qualifications:

• Certification as a Direct Endorsement (DE) Underwriter is a plus.

Benefits:

• Competitive salary and bonus structure
• Health, dental, and vision insurance
• 401(k) with company match
• Paid time off and holidays
• Opportunities for career advancement and professional development

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Ark Mortgage Inc. supports and is committed to equal employment opportunity for all personnel. Ark Mortgage Inc. does not discriminate against applicants or employees because of actual or perceived race, color, religion, creed, national origin, ancestry, citizenship status, alienage, sex/gender, pregnancy, childbirth or related medical condition, sexual orientation, marital status, partnership status, predisposing genetic characteristics, genetic information, protected activity (i.e., opposition to prohibited discrimination or harassment, and participation in proceedings covered by the anti-discrimination statutes), age, uniformed service, veterans status, unemployment status, domestic violence victim status, disability or any other category protected by applicable law.

All employment decisions are made on a non-discriminatory basis and in compliance with applicable federal, state and local laws prohibiting discrimination in employment. Ark Mortgage Inc. also provides reasonable accommodations, including to qualified individuals with known disabilities, who are pregnant or who suffer from a medical condition due to pregnancy or childbirth, upon request or when made aware of such a need, subject to applicable law.

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