Single Family Mortgage Loan Underwriter

State Of Georgia Atlanta , GA 30301

Posted 4 months ago

General Description

The Georgia Department of Community Affairs (DCA) is a State agency dedicated to partnering with communities to help create a climate of success for Georgia's families and businesses. DCA offers a fast paced, challenging and dynamic environment that requires attention to detail, pride in quality of work, and the ability to work as a versatile team player. We are a diverse team of highly competent and committed professionals who strive to help people and communities thrive through technical expertise, innovative thinking and a passion for making a difference. Team members are at their best when collaborating and supporting each other as they perform challenging and dynamic work.


The Single-Family Mortgage Loan Underwriter is responsible for independently evaluating, authorizing or recommending approval of loans, advising lenders on loan status, offering solutions to incomplete or inaccurate documentation, and may serve as a lead worker. This position will analyze applicants' financial status, credit and property evaluations, review and update credit and loan files, offer solutions and alternative documents to meet requirements, and review loan files to ensure that they are complete and accurate according to DCA, FHA, VA, USDA, and BOND policy and guidelines. The Single-Family Mortgage Loan Underwriter will also underwrite financing and development work in real estate in compliance with various federal financing, tax, and housing rules, regulations and requirements.

Minimum Eligibility Requirements

Bachelor's degree in business administration, real estate, or a directly related field AND One year of experience in single family mortgage loan underwriting OR Five years of experience in single family mortgage loan underwriting.

  • Candidate for this position will be subject to a criminal background check, educational degree check, and reference checks prior to the extension of a job offer.

  • An equivalent combination of education and job specific experience that provided the knowledge, experience, and competencies required to successfully perform the job at the level listed may be substituted on a year-over-year basis.


  • Knowledge of federal financing, tax, and housing rules, regulations and requirements

  • Knowledge of affordable housing and other financial assistance and lending programs

  • Knowledge of research and analysis methodology and techniques

  • Knowledge of Quality Control and Audit functions in single family originations

  • Knowledge of financial status and credit requirements as they relate to loan approval

  • Skill in reviewing and analyzing loan packages and credit applications

  • Skill in analyzing applicant's financial status, credit and property

  • Skill in using tools and technology as they relate to applicant's financial status analysis and loan approval process

  • Skill in reviewing and analyzing loan packages for compliance with title, law, code, and acceptable standards

  • Skill in oral and written communication

  • Ability to recommend solutions based upon policy, regulations and standards

  • Ability to draft loan terms and conditions as established by the appropriate authority

  • Ability to ensure completeness of documentation of transactions

  • Ability to maintain and update databases and other information records

  • Ability to manage multiple tasks

Note: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, age, disability, protected veteran status, or any other characteristic protected by law. All qualified applicants will be considered but may not necessarily receive an interview. Due to the large volume of submissions received by this office, information concerning application and/or interview status cannot be provided. Selected applicants will be contacted for next steps in the interview process. Applicants who are not selected will not receive notification. This position is subject to close at any time once a satisfactory applicant pool has been identified.

DCA is an Equal Opportunity Employer. If you need an accommodation for an interview, please contact the Human Resources Office at (404) 679-4845.

Hiring is contingent upon satisfactory results of employment verification, background, criminal records investigations and motor vehicle reports.

Bachelor's degree in a related field from an accredited college or university OR Associate's degree in a related field from an accredited college or university AND One year of related experience OR High school diploma or GED AND Two years of related experience. Note: Some positions may require a valid driver's license.

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Single Family Mortgage Loan Underwriter

State Of Georgia