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Mortgage Underwriter

Ark Mortgage, Inc.
Spring Valley, New York, United States
December 07, 2018


Ark Mortgage, a leading home loan lender in New York and New Jersey is looking for Mortgage Underwriters who will be responsible for evaluating the borrowers’ financial and credit information in tandem with property valuations to determine our borrowers’ credit risk.


Salary will commensurate with experience.

The office is located in Spring Valley, NY. The office is right off of I-87 NY State Thru-way which connects with the I-287 & GSP within minutes.

Principle Duties and Responsibilities

Underwrite safe and sound mortgage loans in an expedient manner through a review process of analyzing and evaluating income, assets, liabilities, and property

Carefully assess and evaluate the risk of financing requests within the framework of the companies’ credit culture and current economic and industry trends

Maintain compliance with FHLMC/FHA/FNMA guidelines; review self-employed, corporate and partnership tax returns, profit and loss, as well as financial statements to ascertain borrowers’ income

Ensure all loans are compliant with the companies’ underwriting standards and acceptable to FHLMC/FHA/FNMA and all Government-Sponsored Enterprise agencies.

Review and audit loan files for completeness and accuracy, analyzing credit documents, including, but not limited to, mortgage applications, credit reports, income documents, title reports, appraisals, and all applicable compliance documents

Review all conditions of the loan approval and ensure all conditions are satisfied prior to submitting the loan to the Closing Department for completion of the closing package.


Minimum of 2 years of recent industry experience

Direct Endorsement is a plus

Complete understanding of the legal, compliance and investor requirements of residential mortgage products including conforming, alternative and/or government programs

Experience analyzing loan and borrower data

Knowledge of Encompass preferred

Strong analytical and problem-solving skills

Ability to prioritize work and meet deadlines within an acceptable time frame

Strong written and oral communication skills


Work with a company that is experiencing strong growth and offers opportunities for advancement. We offer a generous employee benefits package after 90 days of full-time employment which includes:

Healthcare & Dental Plan

401(k) Plan

Vision Plan

Employee Discount Program