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Analyze residential mortgage loan applications including credit reports, income documentation, asset statements, property appraisals, and other supporting documents. The Mortgage Loan Underwriter is responsible for evaluating and analyzing loan applications to determine the creditworthiness of borrowers and ensure compliance with lending policies and investor guidelines.

Job Description:The Mortgage Loan Underwriter is responsible for evaluating and analyzing loan applications to determine the creditworthiness of borrowers and ensure compliance with lending policies and investor guidelines. This position plays a critical role in the mortgage process by making informed decisions that balance risk and customer service. <ul><li>Analyze residential mortgage loan applications including credit reports, income documentation, asset statements, property appraisals, and other supporting documents.</li><li>Determine whether borrowers qualify for loan products based on investor and regulatory guidelines (Fannie Mae, Freddie Mac, FHA, VA, USDA, etc.).</li><li>Review and assess risk on conventional and government-backed loans, ensuring sound underwriting judgment and adherence to underwriting standards.</li><li>Issue loan approvals, counteroffers, suspensions, or denials and document underwriting rationale.</li><li>Work closely with loan processors, originators, and closers to obtain missing information or clarify documentation.</li><li>Maintain current knowledge of loan program guidelines, compliance requirements, and market trends.</li><li>Ensure loans meet applicable federal and state regulations (e.g., TRID, RESPA, ECOA).</li><li>Utilize automated underwriting systems (e.g., DU, LP) and perform manual underwriting when necessary.</li><li>Maintain productivity, quality, and turn-time standards as defined by management.</li><li>Participate in internal and external audits by providing documentation and responses as requested.</li></ul>Qualifications:<ul><li>High school diploma or equivalent required; bachelor's degree in finance, business, or related field preferred.</li><li>3+ years of experience underwriting residential mortgage loans.</li><li>Proficiency with loan origination systems (e.g., Encompass) and automated underwriting systems (DU, LP).</li><li>In-depth knowledge of mortgage lending regulations and underwriting guidelines.</li><li>Strong analytical and decision-making skills with a high level of accuracy and attention to detail.</li><li>Excellent written and verbal communication skills.</li><li>Ability to work independently and manage a high volume of files in a fast-paced environment.</li><li>DE (Direct Endorsement) certification for FHA loans.</li><li>SAR/LAPP approval for VA loans (Preferred).</li></ul>Standard Benefits Include:<ul><li>Group health insurance, including long-term disability with optional dental, vision, and short-term disability</li><li>Bank-sponsored retirement program</li><li>Paid vacation</li></ul>First Palmetto Bank is an equal opportunity employer and affords employment to all persons regardless of race, color, religion, sex, national origin, age, marital status, disability, or genetic information.  We know that the sky is the limit with the right team in place.

First Palmetto Bank

Mortgage Loan Underwriter

Analysis Skills

Communication Skills

Credit Analysis

Credit Risk

Detail Oriented

Documentation

Equal Credit Opportunity Act (ECOA)

External Audit

Federal Housing Administration (FHA)

Federal Laws and Regulations

Finance

Government

Health Insurance

High School Diploma

Internal Audit

Loan Approval

Loan Closing

Loan Origination

Loan Policy

Loan Processing

Loan Underwriting

Loans

Maintain Compliance

Market Trend Analysis

Mortgage Lending

Mortgage Regulations

Presentation/Verbal Skills

Quality Management

Regulatory Compliance

Residential Mortgages

Risk Analysis

Standards Development

State Laws and Regulations

Underwriting

Veteran Loans

Writing Skills

BreezyHR

This role works closely with loan officers, processors, underwriters, and attorneys to coordinate and facilitate the timely and accurate closing of mortgage transactions. The Mortgage Loan Closer is responsible for preparing, reviewing, and ensuring the accuracy of closing documents for residential and/or commercial mortgage loans.

Job Description:The Mortgage Loan Closer is responsible for preparing, reviewing, and ensuring the accuracy of closing documents for residential and/or commercial mortgage loans. This role works closely with loan officers, processors, underwriters, and attorneys to coordinate and facilitate the timely and accurate closing of mortgage transactions. Key Responsibilities:<ul><li>Review loan documents and ensure compliance with federal, state, and investor guidelines.</li><li>Prepare closing packages including Closing Disclosures (CDs), promissory notes, deeds of trust, and other related documents.</li><li>Coordinate loan closings with attorneys.</li><li>Ensure that all loan conditions are satisfied prior to funding.</li><li>Communicate with borrowers, processors, underwriters, and external parties to resolve issues and answer questions.</li><li>Verify that fees and charges are accurate and match the Loan Estimate (LE) and final CD.</li><li>Confirm wire instructions and arrange for disbursement of loan funds.</li><li>Review signed closing documents for accuracy and completeness before loan funding.</li><li>Stay updated on current mortgage regulations, policies, and procedures.</li></ul>Qualifications:<ul><li>High school diploma or equivalent required; associate or bachelor's degree in business or finance preferred.</li><li>3+ years of experience in mortgage loan closing or a related field.</li><li>Strong understanding of mortgage documentation, compliance regulations, and TRID guidelines.</li><li>Excellent attention to detail and organizational skills.</li><li>Proficient in loan origination systems (e.g., Encompass) and Microsoft Office Suite.</li><li>Strong communication and interpersonal skills.</li><li>Ability to manage multiple files and deadlines in a fast-paced environment.</li><li>Experience with FHA, VA, USDA, and conventional loans.</li></ul>Standard Benefits Include:<ul><li>Group health insurance, including long-term disability with optional dental, vision, and short-term disability</li><li>Bank-sponsored retirement program</li><li>Paid vacation</li></ul>First Palmetto Bank is an equal opportunity employer and affords employment to all persons regardless of race, color, religion, sex, national origin, age, marital status, disability, or genetic information.  We know that the sky is the limit with the right team in place.

Mortgage Loan Closer

Commercial Loans

Conventional Loans

Disbursements

File Management

Funding

Interpersonal Skills

Legal Support Skills

Loan Conditions

Loan Documents

Loan Funding

Loan Review

Microsoft Office

Mortgage

Organizational Skills

Problem Solving Skills

Time Management

United States Department of Agriculture (USDA)

ADAPTED_NOW

This role goes beyond support—you will actively contribute to lead conversion, pipeline growth, and customer experience while learning the daily behaviors, metrics, and decision‑making of top‑performing Loan Officers. Join the fun and follow us on social media to see what's happening at our company, and don't forget to connect with us on Lennar: Overview | LinkedIn<https://www.linkedin.com/company/lennar/> for the latest job opportunities.

NextGen Loan Officer Associate (LOA)Launch Your Career in Mortgage SalesThe NextGen Loan Officer Associate (LOA) role is an early‑career position designed to prepare high‑potential individuals for a producing Loan Officer career. This role goes beyond support—you will actively contribute to lead conversion, pipeline growth, and customer experience while learning the daily behaviors, metrics, and decision‑making of top‑performing Loan Officers.You’ll work alongside experienced sales professionals, engage directly with customers, and use modern digital and AI‑enabled tools to manage relationships, prioritize leads, and drive results. Successful LOAs build the foundation to move into full Loan Officer responsibilities, including revenue ownership and referral‑based selling.This role is ideal for individuals who are competitive, relationship‑driven, and energized by using technology and data to sell smarter and perform at a higher level.<div></div>What You’ll DoSales & Customer Engagement<ul><li>Partner with a Loan Officer to drive customer engagement, follow‑up, and pipeline movement</li><li>Guide customers through the mortgage process using a consultative approach</li><li>Communicate clearly and promptly via phone, email, and digital channels</li><li>Support conversion by identifying needs, presenting options, and addressing objections</li><li>Build effective relationships with New Home Consultants, internal partners, and referrals</li><li>Participate in builder, realtor, and community activities that generate leads</li></ul>Pipeline & Business Management<ul><li>Maintain accurate loan data, documentation, and notes in the LOS</li><li>Track daily follow‑ups, milestones, and next steps to support on‑time closings</li><li>Review pipeline activity and reports to understand loan progress end to end</li><li>Learn how Loan Officers prioritize volume and balance service with sales results</li><li>Support processors and closers by helping gather required documentation</li></ul>Training, Licensing & Compliance<ul><li>Complete classroom and online training on products, pricing, compliance, and the loan lifecycle</li><li>Train on mortgage rate sheets to understand pricing and rate locking</li><li>Complete required testing and licensing, including NMLS and state licenses</li><li>Maintain compliance knowledge, including RESPA and continuing education</li></ul>Technology, AI & Modern Tools<ul><li>Use CRM, LOS, and digital tools to manage leads and workflows</li><li>Leverage AI and automation to prioritize outreach and reduce manual work</li><li>Use data insights to improve customer experience and pipeline performance</li><li>Identify ways to streamline processes and increase selling time</li><li>Share practical improvements that increase team efficiency</li></ul><div></div>What Sets You ApartSales Mindset & Drive<ul><li>Strong interest in sales, customer relationships, and performance‑based roles</li><li>Comfortable with accountability, metrics, and continuous improvement</li><li>Motivated by growth, progression, and long‑term opportunity</li></ul>Digital & AI Fluency<ul><li>Confident navigating multiple systems and tools in a fast‑paced environment</li><li>Learns new platforms quickly and applies them to real work</li><li>Uses technology and emerging tools to work smarter—not just faster</li></ul>Adaptability & Ownership<ul><li>Thrives in changing environments with evolving priorities</li><li>Open to feedback, coaching, and continuous learning</li><li>Demonstrates resilience, curiosity, and follow‑through</li></ul><div></div>What You Bring<ul><li>High School Diploma (required), Bachelor’s degree (preferred)</li><li>NMLS License or willingness to obtain</li><li>Experience using digital tools for work, projects, or collaboration (academic, internship, or professional)</li><li>Ability to manage multiple priorities across systems and timelines</li><li>Strong communication skills and customer focus</li><li>Interest in building a long‑term career in mortgage sales</li></ul><div></div>Why Lennar / Why NextGen<ul><li>Clear, supported path to becoming a producing Loan Officer</li><li>Hands‑on experience with real customers, real deals, and real sales expectations</li><li>Exposure to top‑performing Loan Officers and sales leadership</li><li>Development of core skills: sales execution, pipeline management, customer engagement, and technology fluency</li><li>Opportunity to grow your career with a Fortune 500 company committed to internal advancement</li></ul>Life at LennarAt Lennar, we are committed to fostering a supportive and enriching environment for our Associates, offering a comprehensive array of benefits designed to enhance their well-being and professional growth. Our Associates have access to robust health insurance plans, including Medical, Dental, and Vision coverage, ensuring their health needs are well taken care of. Our 401(k) Retirement Plan, complete with a $1 for $1 Company Match up to 5%, helps secure their financial future, while Paid Parental Leave and an Associate Assistance Plan provide essential support during life's critical moments. To further support our Associates, we provide an Education Assistance Program and up to $30,000 in Adoption Assistance, underscoring our commitment to their diverse needs and aspirations. From the moment of hire, they can enjoy up to three weeks of vacation annually, alongside generous Holiday, Sick Leave, and Personal Day policies. Additionally, we offer a New Hire Referral Bonus Program, significant Home Purchase Discounts, and unique opportunities such as the Everyone’s Included Day. At Lennar, we believe in investing in our Associates, empowering them to thrive both personally and professionally. Lennar Associates will have access to these benefits as outlined by Lennar’s policies and applicable plan terms. Visit Lennartotalrewards.com to view our suite of benefits. Join the fun and follow us on social media to see what's happening at our company, and don't forget to connect with us on Lennar: Overview | LinkedIn<<a href="http://www.linkedin.com/company/lennar/" rel="nofollow noopener noreferrer" target="_blank">https://www.linkedin.com/company/lennar/</a>> for the latest job opportunities.Lennar is an equal opportunity employer and complies with all applicable federal, state, and local fair employment practices laws.

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Mortgage Loan Underwriter First Palmetto Bank

Mortgage Loan Closer First Palmetto Bank

Loan Officer Associate Lennar Corporation

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