Pre-Underwrite Reviewer

Department: NightOwl Internal

Employment Type: Full Time

Location: NightOwl Internal, Remote

Key Responsibilities

• Pre-underwrite loan files by reviewing borrower documentation such as credit reports, income documents, and assets to ensure accuracy and completeness.
• Assist with income calculations and verify supporting documents.
• Support senior underwriters in identifying potential risks and issues in loan applications.
• Ensure all loan applications comply with company policies, investor requirements, and regulatory guidelines.
• Communicate with internal stakeholders and lenders to resolve issues and ensure timely processing of loan applications.
• Maintain up-to-date knowledge of mortgage products and underwriting guidelines for Conventional, FHA, VA, and other loan types.

Skills, Knowledge and Expertise

• Bachelor’s degree or equivalent experience in finance, business, or a related field.
• Strong analytical and problem-solving skills.
• Attention to detail and the ability to manage multiple tasks efficiently.
• Experience using Encompass loan origination software is a huge benefit.
• Prior experience with mortgage processing or underwriting is preferred but not required.
• Excellent communication skills, both written and verbal.
• Ability to work in a fast-paced environment and meet deadlines.
• Ability to multitask and prioritize responsibilities.
• High attention to detail and accuracy.
• Critical thinking and decision-making skills.
• Strong interpersonal and communication skills.
• Some experience in underwriting, loan processing, or similar roles is an advantage.
• Familiarity with various mortgage types (Conventional, FHA, VA) is a plus.

Benefits

• Above market salary
• HMO with free dependent
• Paid leave incentives
• Performance based Incentives
• Quarterly Company Events
• In-depth training for career growth