Remote Retail Mortgage Underwriter (Jumbo & Conventional-Focused)

Note: The job is a remote job and is open to candidates in USA. Georgia Banking Company is focused on providing high-quality mortgage solutions, and they are seeking a Retail Mortgage Underwriter to join their team. This role involves reviewing and underwriting residential mortgage loan applications, ensuring compliance with credit policies and regulatory requirements while facilitating effective communication with stakeholders.ResponsibilitiesReview and underwrite residential mortgage loan files, primarily conventional (Fannie Mae/Freddie Mac) and jumbo loansAnalyze borrower credit, income, assets, liquidity, and collateral, with an emphasis on complex financial profilesEvaluate self-employed borrowers, high-net-worth clients, multiple income streams, and layered risk scenariosAssess jumbo loan structures, including reserves, liquidity, and compensating factorsApply DU/LP findings, overlays, and internal jumbo guidelines to determine creditworthinessIssue clear, well-supported loan approvals, suspensions, or denialsStructure loans and determine appropriate conditions based on risk characteristics and loan typePartner with Sales and Operations to proactively address deal challenges and move loans to closingEnsure all loans comply with agency, investor, and internal jumbo guidelines, as well as applicable regulatory requirementsMaintain high loan quality standards with strong attention to detail and documentationIdentify inconsistencies, red flags, and potential fraud risk and escalate as appropriateAct as a key partner to Loan Officers, Processors, and Secondary/Capital Markets on loan structuringProvide clear, timely communication on underwriting decisions, conditions, and exceptionsSupport a solutions-oriented, service-driven culture across the mortgage platformManage an active pipeline of loans while meeting turn-time and service level expectationsMaintain accurate file documentation within LOS systems (e.g., Encompass)Stay current on changes to agency guidelines, jumbo investor requirements, and market conditionsSkills48+ years of residential mortgage underwriting experienceStrong experience underwriting conventional and jumbo loansDeep understanding of income analysis, including self-employed borrowersProven ability to manage complex files and high loan volumesMust live in the Atlanta area and able to come into the office as needed for business meetingsExperience with EncompassExperience underwriting Non-QM loansExperience underwriting portfolio/jumbo loans within a community or regional bankExposure to high-net-worth client financialsCompany OverviewGeorgia Banking Company is a financial services community bank that engages in the wholesale mortgage business. It was founded in 2001, and is headquartered in Atlanta, Georgia, USA, with a workforce of 51-200 employees. Its website is [hidden]

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