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Mortgage Underwriter - Sr. UW

Charlotte, North Carolina

Job Description:

As a Bank of America Mortgage Underwriter you will be responsible for but not limited to the underwriting of residential loans ensuring compliance with appropriate company and secondary market investor standards. A Mortgage Underwriter will be responsible for examining loan documentations for accuracy and completeness while working with loan originator or production staff to secure all required documents. You may be required to work with more senior mortgage underwriters on loan exceptions having the authority to withdraw and decline loans. Mortgage Underwriters may be involved in one or several types of mortgage lending (conventional, government-backed, etc.) You may also be required to respond directly to individual and investor audits. This job code includes all levels of underwriting authority and exception levels.

<Home Loans Fulfillment ONLY>

Required Skills:

- Minimum of one to four years recent manual underwriting experience.

- Knowledge of DU preferred.

- Direct Endorsement (DE) preferred

- Proven negotiation and communication skills.

- Must show strong capacity to address credit related issues and points of risk to ensure that underwriting meets quality assurance standards.

- Familiarity with Secondary Market requirements.

- Available to work extended hours as business need requires.

- Strong analytical and judgment skills.

- Strong oral and written communication skills.

- Excellent interpersonal skills.

- Must have excellent problem solving skills.

- Thorough understanding of credit and an ability to review complex financial documents.

- Ability to assess an individual's creditworthiness while adhering to all regulatory and compliance requirements.

- Ability to make credit recommendations.

- Commitment to teamwork.

- Ability to meet production, quality and service standards along with providing direct coaching and feedback to ensure quality.

- Self-motivated.

- Ability to work in a fast-paced, high volume environment, while practicing sound lending judgment. Attention to detail.

- Secondary Market Product Knowledge.

- Strong Customer Service Skills. Accepts direction well.

- Computer proficiency including high comfort level with Microsoft office product suite.

- Math Proficiency.

Desired Skills:

- FHA and VA underwriting experience with DE and SAR.


1st shift (United States of America)

Hours Per Week: 


Learn more about this role

Full time


Manages People: No

Travel: No


Talent Acquisition Contact:

Referral Bonus:

Street Address

Primary Location:
900 W TRADE ST, NC, Charlotte, 28255