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Mortgage Underwriter job description

A Mortgage Underwriter is a professional who evaluates loan applications and decides whether or not to approve them based on the applicant’s credit history, income and other factors. 


Use this Mortgage Underwriter job description to advertise your vacancies and find qualified candidates. Feel free to modify responsibilities and requirements based on your needs.


Mortgage Underwriter responsibilities include:

  • Authorizing and underwriting loans
  • Reviewing and verifying loan applications and supporting documentation
  • Analyzing loan risk and requesting additional information as necessary

Job brief

We are looking for a Mortgage Underwriter to join our team and determine the eligibility of loan applicants. 

A Mortgage Underwriter’s responsibilities include analyzing and verifying loan applications, evaluating financial risks and making final decisions on eligibility for applicants. 

Ultimately, you will work with a team of financial experts to determine the qualifications of applicants to accept or decline different types of loans.


  • Prepare reports on assessment findings
  • Make loan eligibility decisions and approve or reject applications
  • Review and specify loan conditions as necessary
  • Ensure compliance with regulatory standards, company policies and guidelines
  • Document and effectively communicate reasons for the approval or rejection of loans
  • Return applications with additional documentation to the loan officer for review

Requirements and skills

  • Proven work experience as a Mortgage Underwriter or similar role
  • Highly organized and able to prioritize
  • Strong communication skills, both verbal and written
  • Detail-oriented with strong data analysis skills
  • High mathematical aptitude
  • A bachelor’s degree in business or finance is preferred
  • Relevant training and/or certifications as a Mortgage Underwriter

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