Job description
Mortgage Underwriter
About EPM
Founded in 2008, EPM is one of the leading wholesale mortgage lenders in the U.S. Headquartered in Atlanta, GA, and licensed in all 50 states, we offer a full range of loan products — including conventional, FHA, VA, non-QM, renovation, and USDA.
Our vision is to live in a world where everyone has the opportunity for The American Gift. Our goal is not only to facilitate homeownership but also to empower individuals and families through informed financial decisions.
Empowering You. We’re committed to giving our team members the operational support, technology, and tools they need to work efficiently and deliver exceptional service. Combined with a collaborative culture rooted in radical candor and innovation, we empower our people to do their best work every day while helping to shape our future.
The Role
EPM is growing and looking for an experienced Mortgage Underwriter to join our team. In this role, you'll evaluate residential mortgage loan applications, analyze borrower qualifications, and make sound underwriting decisions while ensuring compliance with investor, regulatory, and company guidelines. This position offers the opportunity to work with a wide range of loan products in a collaborative, fast-paced environment.
What You'll Do
Independently underwrite a wide range of mortgage loans, including FHA, VA, USDA, conventional, and Non-QM products
Review and analyze credit, income, assets, collateral, and supporting documentation to determine loan eligibility and assess risk through both AUS and manual underwriting
Ensure loan files meet HUD, FHA, investor, regulatory, and internal guidelines and overlays
Request and evaluate additional documentation as needed to make accurate underwriting decisions
Approve or deny mortgage loans while clearly documenting the rationale for each decision
Communicate underwriting decisions and conditions to loan officers and internal partners
Collaborate with operations teams, clients, and brokers to ensure timely and accurate loan processing
Meet company service level agreements (SLAs) for turnaround times and file quality
Provide exceptional customer service by responding to underwriting questions and documentation requests
Support additional underwriting responsibilities as business needs require
What You Bring
5+ years of mortgage underwriting or mortgage lending experience
Active DE/CHUMS and LAPP/SAR certification required
Minimum 2 years of manual underwriting experience
Recent wholesale underwriting experience required
High school diploma required; college degree preferred
Strong knowledge of conventional, FHA, VA, USDA, and Non-QM loan products
Working knowledge of federal mortgage regulations, including RESPA, TILA, Dodd-Frank, and investor guidelines
Proficiency with automated underwriting systems, Encompass (preferred), and Microsoft Office
Strong analytical, decision-making, communication, and problem-solving skills
Highly organized, detail-oriented, and committed to delivering quality work in a fast-paced environment.
EPM is an equal opportunity employer committed to creating an inclusive environment for all employees. We do not discriminate based on race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other protected characteristic.
Candidate Acknowledgment Statement
By clicking "Apply for this Job," I acknowledge that I have reviewed, understand, and agree to the terms outlined in the linked EPM Legal Statement and Application Addendum.
Originally posted on Himalayas
Who can apply
Eligible countries: United States. Accepted UTC offsets: UTC-10, UTC-9, UTC-8, UTC-7, UTC-6, UTC-5, UTC+14. Review the full description for employer-specific work authorization, residency and schedule requirements.