POST CLOSING MORTGAGE UNDERWRITER

Purpose of Position: This position is critical to maintaining loan quality, investor confidence, and minimizing repurchase risk by ensuring closed loans meet all required standards for sale and securitization.
Under the direct supervision of Director of Retail Underwriting, the Post-Closing Mortgage Underwriter is responsible for, but not limited to, the following job responsibilities:
• Perform detailed post-closing credit, collateral, and compliance reviews of closed loan files.
• Analyze and clear post-closing and investor conditions, suspense items, and defects.
• Partner with Post-Closing teams to resolve defects within investor turnaround times.
• Collaborate with Front-End Underwriters and Underwriting Management to clarify underwriting decisions and conditions.
• Communicate with Investors regarding defect resolution.
• Interpret and apply Fannie Mae, Freddie Mac, FHA, VA, USDA, and Non-QM investor guidelines.
• Support post-purchase reviews, audits, and repurchase defect efforts.
• Identify recurring defect trends and recommend corrective actions.
• Support quality initiatives and operational improvements.
• Maintain detailed underwriting documentation to support credit decisions.
• Complete all Company mandatory trainings within the required timelines.

High School Diploma or equivalent
• 3–5 years of mortgage underwriting experience.;
• Strong knowledge of agency and/or Non-QM guidelines.
• Strong analytical, communication, and documentation skills.
• Active DE, LAPP, or SAR designation.
• Investor-facing or post-purchase experience.
• Familiarity with Encompass LOS and post-closing tools.

AnnieMac Home Mortgage offers a wide range of benefits, including medical, dental and vision plans, along with voluntary benefits, including 401K.

***AnnieMac Home Mortgage is an Equal Opportunity Employer***

***AnnieMac Home Mortgage participates in E-Verify***

Salary : $36 - $41