Mortgage Underwriter

Essential Duties And ResponsibilitiesReviews and evaluates information on mortgage loan documents to determine if buyer, property, and loan conditions meet establishment and government standards. Determines terms and acceptability of risk of prospective clients. Approves or rejects loan application, or requests additional information. Records loan rejections, specifying investor and institution guidelines and basis for declining application, such as insufficient cash reserves. Assembles documents in loan files, including acceptance or denial, and returns files to originating mortgage loan office.
Date: Oct 29, 2026Location: St. Thomas, VICompany: PopularWorkplace Type: On-site
Mortgage UnderwriterApproves or denies mortgage loans in compliance with investors and regulation agencies parameters. Review and analyze risks of loan applications to determine a final decision.
Essential Duties And ResponsibilitiesReviews and evaluates information on mortgage loan documents to determine if buyer, property, and loan conditions meet establishment and government standards. Determines terms and acceptability of risk of prospective clients. Approves or rejects loan application, or requests additional information. Records loan rejections, specifying investor and institution guidelines and basis for declining application, such as insufficient cash reserves. Assembles documents in loan files, including acceptance or denial, and returns files to originating mortgage loan office.
Supervisory ResponsibilitiesThis job has no supervisory responsibilities.
EducationBachelor's Degree in Business Administration
ExperienceThree to five years related experience.
Certifications / LicensesNo certifications or license needed.
Other Qualifications
Strong knowledge of mortgage underwriting principles, credit analysis, and loan documentation.
Ability to analyze income, assets, liabilities, credit history, and overall borrower risk.
Knowledge of applicable mortgage lending guidelines, policies, and regulatory requirements.
Strong analytical, problem-solving, and decision-making skills.
Excellent attention to detail and accuracy when reviewing financial and loan documentation.
Ability to interpret financial information and identify potential credit or documentation risks.
Strong organizational and time-management skills, with the ability to manage multiple loan files and priorities.
Effective written and verbal communication skills.
Ability to work collaboratively with loan officers, processors, closing teams, and other stakeholders.
Proficiency with Microsoft Office applications, particularly Outlook, Word, and Excel.
Experience with mortgage loan origination systems, such as Encompass, preferred or required depending on the manager's expectation.
Ability to maintain confidentiality and exercise sound judgment when handling sensitive financial information.
Region LocationsSt. Thomas or St. Croix
Work ScheduleMonday through Friday, 8:00 a.M. to 5:00 p.M.
Values
Passion for People
Succeed Together
Own Every Moment
Build the Future
Additional RequirementsThe information provided here is only a general guide as to the nature of the position and does not constitute an exact description of the goals, tasks, duties and responsibilities of the position. The specific details of each position are described in the employee's performance evaluation.
Important:The candidate must provide evidence of academic preparation or courses related to the job posting, if necessary.Our hybrid work model benefit applies to certain positions and is subject to changes based on the organizational needs.Applicants must be authorized to work for any employer in the United States. This position is not open to applicants who need visa sponsorship or transfer of visa sponsorship at this time.
About UsPopular is Puerto Rico’s leading financial institution and have been evolving since it was founded over a century ago. From a small bank it has developed into a large corporation that offer a wide variety of services and financial solutions to our customers, with presence in the United States, the Caribbean and Latin America.
As employees, we are dedicated to making our customers dreams come true by offering financial solutions in each stage of their life. Our extensive trajectory demonstrates the resiliency and determination of our employees to innovate, reach for the right solutions and strongly support the communities we serve;
therefore, we value their diverse skills, experiences and backgrounds.
We reaffirm our commitment to always offer essential financial services and solutions for our customers and communities, including during emergency situations and/or natural disasters. Popular's employees are considered essential workers, whose role is critical in the continuity of these important services even under such circumstances. By applying to this position, you acknowledge that Popular may require your services during and immediately after any such events.
If you have a disability or need more information about requesting an accommodation, please contact us at View email address on ca.hrm.tc .
This email inbox is monitored for such types of requests only. All information you provide will be kept confidential and will be used only to the extent required to provide needed exemptions or reasonable accommodations. Any other correspondence will not receive a response.
Are you ready for a rewarding career?Popular is an Equal Opportunity Employer, including Disability/VetsJob SegmentCompliance, Law, Legal
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