Job Summary Reviews, underwrites, and conditions a variety of loan products including FHA, VA, and conventional loans. Reviews applications and corresponding documents for accuracy and suitability. Interprets Automated Underwriting System (AUS) requirements and utilizes investor, agency, and internal guidelines to perform essential job duties. Duties and Responsibilities Reviews and approves AUS case files for accuracy, completeness, and issues initial approval. Manually underwrites conventional and government loan products when required. Calculates income for borrowers with variable, self‑employed, etc. as needed. Makes determinations on suitability and accuracy of loan documentation for both loan approval and satisfaction of applicable conditions. Researches agency and investor guidelines to ensure compliance with underwriting standards. Communicates with branch employees regarding questions, concerns, and corrective actions for unacceptable loans. Discusses recommendations and alternatives for solving difficult loans with the Underwriting Manager. Requirements Minimum Education and Experience Associate's degree (A.A.) or equivalent in specialized training from a two‑year college or technical school combined with one to three years of related experience and/or training; knowledge and understanding of mortgage underwriting terminology and guidelines. Direct Endorsement (DE) designation, Certification of Delegated Underwriter preferred. Skills and Abilities Ability to research and evaluate given information relative to underwriting guidelines and lender requirements. Good customer service focus with an eye for detail. Excellent verbal and written communication skills for interaction with a variety of people inside and outside of the organization. Work Conditions On‑site. Weekend work may be required. Benefits M/I Homes offers a comprehensive benefits package, including medical, dental, vision, paid time off and paid holidays, paid parental leave, traditional and Roth 401(k) options, profit sharing plan, employee stock purchase plan, employee home purchase plan, and more. EEO Statement We are committed to attracting, developing, and retaining diverse talent that reflects the customers we serve and the communities where we live and work. We are proud to be an EEO/AA employer M/F/D/V. We maintain a drug‑free workplace and perform pre‑employment substance abuse testing. Seniority Level Entry level Employment Type Full‑time Job Function Finance Industry Construction #J-18808-Ljbffr M/I Homes, Inc.
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