Equity Prime Mortgage

EPM is seeking an experienced mortgage Underwriter to join our team. You’ll be responsible for ensuring real estate loan applications are completed with all required documents submitted correctly and loan files are in accordance with the latest investor guidelines and industry standards. The ideal candidate is an organized, detail-oriented professional who wants to play a key role on a winning team. Experience with USDA loan products, Active DE/CHUMS and LAPP/SAR certification along with minimum 2 years of manual underwriting experience required. If this sounds like you, apply today! Key Responsibilities - Independently underwriting USDA products while ensuring compliance, risk assessment, and sound decision-making based on both AUS and manual analysis. - Ensure all loan files meet HUD, FHA, investor, regulatory, and internal guidelines and overlays - Review and analyze credit, income, assets, and collateral documentation to determine loan eligibility; Inquire about any additional information needed to determine loan risk. - Review mortgage loan applications and examine supporting documents to ensure all required information is included and complete for approval or rejection; Make accurate and timely underwriting decisions for mortgage loans. - Ensure that once all information is received it is accurate, it meets compliance standards, and it aligns with company policies. - Communicate and document reasons for approval or rejection of loans so clients and loan officers are well-informed of decisions. - Collaborate with internal operations team members, clients, and brokers to gather necessary documentation, clarify information, and ensure smooth processing of loan applications. - Meet company SLAs for loan turnaround times and file quality standards. - Provide exceptional customer service by responding to client inquiries regarding loan application statuses or documentation requirements. - Additional responsibilities related to business needs. Qualifications & Skills - Knowledge of home loans and residential mortgage products, including USDA loans - 5+ years of mortgage underwriting experience or mortgage lending experience required. - Active DE/CHUMS and LAPP/SAR certification required. - 2+ years' experience with manual underwrites. - High school diploma required; college degree preferred. - Understanding of compliance standards, including federal regulations (e.g., RESPA, TILA, and Dodd-Frank) and company policies. - Knowledgeable in automated underwriting systems and Microsoft office. - Strong decision-making and communication skills. - Recent experience with wholesale underwriting. - Proficiency with Encompass loan origination system preferred. About EPM Founded at the height of the mortgage crisis in 2008, EPM has rapidly evolved into one of the leading mortgage lenders in the U.S. Our vision is clear to live in a world that everyone has the opportunity for the American Gift. We strive to offer top-tier financial services, exceptional communication, and unwavering assistance to our clients. Our goal is not only to facilitate homeownership but also to empower individuals and families through informed financial decisions, by closing one loan perfectly at a time. Headquartered in Atlanta, GA, EPM is licensed in 50 states and provides an array of lending resources such as Conventional, FHA, VA, Reno, Reverse, and USDA loans. Additionally, we are proud to be a trusted Seller/Servicer for Fannie Mae, Freddie Mac, and Ginnie Mae, ensuring that our clients have access to reliable and competitive financing options. 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.

Role Description EPM is growing, and we are seeking a Senior Mortgage Accountant to join our team. You’ll be responsible for overseeing complex accounting functions with a strong focus on funding, cash management, secondary market activities, and reconciliations across simple to highly complex accounts. This role owns funding and cash-related processes, ensures timely and accurate settlements, and manages reporting and reconciliations related to investor activity, including Ginnie Mae. The ideal candidate serves as a subject matter expert within the accounting team, proactively resolving open items, strengthening controls, and supporting month-end close and reporting. - Own daily funding and cash activity, ensuring all loans, settlements, and cash movements are accurately recorded and reconciled. - Prepare and review funding reports, purchase advices, and related reconciliations to ensure completeness and accuracy. - Manage settlements and reporting with Ginnie Mae and other secondary market investors, including timely resolution of discrepancies. - Perform detailed reconciliations across a broad range of accounts, from routine accounts to highly complex balance sheet and clearing accounts. - Oversee cash reconciliations and ensure all open funding, settlement, and investor items are investigated and resolved promptly. - Support secondary market accounting activities, including tracking loan sales, investor remittances, and purchase price differences. - Review general ledger activity for accuracy, identify trends or issues, and recommend corrective actions as needed. - Play a key role in the monthly and annual close process, including preparation and review of journal entries and reconciliations. - Prepare and analyze financial reports and schedules, providing insights to leadership and cross-functional partners. - Collaborate cross-functionally with Secondary Marketing, Finance, and Operations to resolve issues and improve end-to-end processes. - Provide audit support and prepare documentation for internal and external audits. - Additional duties and responsibilities assigned due to business needs. Qualifications - Advanced understanding of accounting principles, with strong experience in mortgage accounting, funding, and secondary market transactions. - Demonstrated ability to manage complex reconciliations and large volumes of transactional data. - Strong working knowledge of Ginnie Mae settlements and secondary market reporting. - High level of analytical and problem-solving skills, with the ability to independently resolve discrepancies. - Ability to prioritize and manage multiple high-impact responsibilities in a fast-paced environment. - Excellent communication skills, with confidence working across departments and with senior leadership. - Strong attention to detail while maintaining a broader, strategic view of financial activity. - Proficiency in accounting systems and tools, including AMB; Encompass experience strongly preferred. - Advanced proficiency in Microsoft Excel, including complex formulas and data analysis. Requirements - Bachelor’s degree in Accounting, Finance, or related field required. - 5+ years of progressive accounting experience required. - 2+ years within mortgage or financial services. - Hands-on experience with funding, cash management, and secondary market accounting required. - Experience with Ginnie Mae settlements and reporting strongly preferred. - Prior experience supporting month-end close, reconciliations, and audit processes required. Company Description Founded at the height of the mortgage crisis in 2008, EPM has rapidly evolved into one of the leading mortgage lenders in the U.S. Our vision is clear to live in a world that everyone has the opportunity for the American Gift. We strive to offer top-tier financial services, exceptional communication, and unwavering assistance to our clients. Our goal is not only to facilitate homeownership but also to empower individuals and families through informed financial decisions, by closing one loan perfectly at a time. Headquartered in Atlanta, GA, EPM is licensed in 50 states and provides an array of lending resources. Additionally, we are proud to be a trusted Seller/Servicer for Fannie Mae, Freddie Mac, and Ginnie Mae, ensuring that our clients have access to reliable and competitive financing options. We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description EPM is seeking an experienced mortgage Underwriter to join our team. You’ll be responsible for ensuring real estate loan applications are completed with all required documents submitted correctly and loan files are in accordance with the latest investor guidelines and industry standards. The ideal candidate is an organized, detail-oriented professional who wants to play a key role on a winning team. - Independently underwriting a wide range of mortgage loans, including FHA, VA, USDA, and conventional products, while ensuring compliance, risk assessment, and sound decision-making based on both AUS and manual analysis. - Ensure all loan files meet HUD, FHA, investor, regulatory, and internal guidelines and overlays. - Review and analyze credit, income, assets, and collateral documentation to determine loan eligibility; inquire about any additional information needed to determine loan risk. - Review mortgage loan applications and examine supporting documents to ensure all required information is included and complete for approval or rejection; make accurate and timely underwriting decisions for mortgage loans. - Ensure that once all information is received it is accurate, meets compliance standards, and aligns with company policies. - Communicate and document reasons for approval or rejection of loans so clients and loan officers are well-informed of decisions. - Collaborate with internal operations team members, clients, and brokers to gather necessary documentation, clarify information, and ensure smooth processing of loan applications. - Meet company SLAs for loan turnaround times and file quality standards. - Provide exceptional customer service by responding to client inquiries regarding loan application statuses or documentation requirements. - Additional responsibilities related to business needs. Qualifications - Knowledge of home loans and residential mortgages such as conventional, VA, FHA, USDA, Non-QM loans, and loan products. - 5+ years of mortgage underwriting experience or mortgage lending experience required. - Active DE/CHUMS and LAPP/SAR certification required. - 2+ years' experience with manual underwrites. - High school diploma required; college degree preferred. - Understanding of compliance standards, including federal regulations (e.g., RESPA, TILA, and Dodd-Frank) and company policies. - Knowledgeable in automated underwriting systems and Microsoft Office. - Strong decision-making and communication skills. - Recent experience with wholesale underwriting. - Proficiency with Encompass loan origination system preferred. Company Description Founded at the height of the mortgage crisis in 2008, EPM has rapidly evolved into one of the leading mortgage lenders in the U.S. Our vision is clear to live in a world that everyone has the opportunity for the American Gift. We strive to offer top-tier financial services, exceptional communication, and unwavering assistance to our clients. Our goal is not only to facilitate homeownership but also to empower individuals and families through informed financial decisions, by closing one loan perfectly at a time. - Headquartered in Atlanta, GA, EPM is licensed in 50 states and provides an array of lending resources such as Conventional, FHA, VA, Reno, Reverse, and USDA loans. - We are proud to be a trusted Seller/Servicer for Fannie Mae, Freddie Mac, and Ginnie Mae, ensuring that our clients have access to reliable and competitive financing options. - EPM is an equal opportunity employer committed to creating an inclusive environment for all employees.

This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description EPM is growing, and we are seeking an Account Manager to join our team. You’ll be responsible for overseeing the loan file through its lifecycle, ensuring all documentation needs are met and relevant stakeholders are kept updated throughout the process. The ideal candidate has experience in wholesale lending, with the ability to manage a variety of loan products and a large pipeline. If this sounds like you, apply today! Key Responsibilities - Once assigned a file; organize approvals and ensure all conditions are marked and met. - Conduct Welcome Call with client within 24 hours of approval; set expectations, clarify conditions, and confirm loan timelines. - Ensure signed disclosures, verify loan conditions, and order necessary reports (e.g., AVMs, IRS, flood zone). - Track document uploads, review client submissions, and follow up on outstanding conditions to ensure loan progress. - Verify all conditions are met, confirm final loan terms with the client, and ensure closing is scheduled. - Monitor for expired Estimated Closing Dates (ECD), follow up on lock expirations, ensure timely loan submissions, process Change of Circumstances (COC), and update the lock as needed. - Review active loans, prioritize closings, and ensure all required documents are submitted for final approval. - Additional responsibilities related to business needs. Qualifications - 3+ years of wholesale account management experience required, with previous experience as an underwriter preferred. - Extensive knowledge of a wide variety of loan products and programs. - Excellent interpersonal and communication skills, both verbal and written, with the ability to effectively interact with clients, stakeholders, and team members. - Self-motivated, detail-oriented, and dependable, with the ability to work independently and manage multiple priorities in a fast-paced environment. - Highly efficient in time management, with strong organizational skills and the ability to prioritize tasks to meet deadlines. - Proven ability to manage a high-volume pipeline while maintaining accuracy and attention to detail. - Proficiency with Encompass loan origination system required. Company Description Founded at the height of the mortgage crisis in 2008, EPM has rapidly evolved into one of the leading mortgage lenders in the U.S. Our vision is clear: to live in a world where everyone has the opportunity for the American Gift. We strive to offer top-tier financial services, exceptional communication, and unwavering assistance to our clients. Our goal is not only to facilitate homeownership but also to empower individuals and families through informed financial decisions, by closing one loan perfectly at a time. - Headquartered in Atlanta, GA, EPM is licensed in 50 states. - Provides an array of lending resources such as Conventional, FHA, VA, 203K, Reverse, and USDA loans. - Proud to be a trusted Seller/Servicer for Fannie Mae, Freddie Mac, and Ginnie Mae, ensuring that our clients have access to reliable and competitive financing options. - EPM is an equal opportunity employer committed to creating an inclusive environment for all employees.

This description is a summary of our understanding of the job description. Click on 'Apply' button to find out more. Role Description EPM is seeking an experienced mortgage Underwriter to join our team. You’ll be responsible for ensuring real estate loan applications are completed with all required documents submitted correctly and loan files are in accordance with the latest investor guidelines and industry standards. The ideal candidate is an organized, detail-oriented professional who wants to play a key role on a winning team. - Independently underwriting a wide range of mortgage loans, including FHA, VA, USDA, and conventional products, while ensuring compliance, risk assessment, and sound decision-making based on both AUS and manual analysis. - Ensure all loan files meet HUD, FHA, investor, regulatory, and internal guidelines and overlays. - Review and analyze credit, income, assets, and collateral documentation to determine loan eligibility; inquire about any additional information needed to determine loan risk. - Review mortgage loan applications and examine supporting documents to ensure all required information is included and complete for approval or rejection; make accurate and timely underwriting decisions for mortgage loans. - Ensure that once all information is received it is accurate, it meets compliance standards, and it aligns with company policies. - Communicate and document reasons for approval or rejection of loans so clients and loan officers are well-informed of decisions. - Collaborate with internal operations team members, clients, and brokers to gather necessary documentation, clarify information, and ensure smooth processing of loan applications. - Meet company SLAs for loan turnaround times and file quality standards. - Provide exceptional customer service by responding to client inquiries regarding loan application statuses or documentation requirements. - Additional responsibilities related to business needs. Qualifications - Knowledge of home loans and residential mortgages such as conventional, VA, FHA, USDA, Non-QM loans, and loan products. - 5+ years of mortgage underwriting experience or mortgage lending experience required. - Active DE/CHUMS and LAPP/SAR certification required. - 2+ years' experience with manual underwrites. - High school diploma required; college degree preferred. - Understanding of compliance standards, including federal regulations (e.g., RESPA, TILA, and Dodd-Frank) and company policies. - Knowledgeable in automated underwriting systems and Microsoft Office. - Strong decision-making and communication skills. - Recent experience with wholesale underwriting. - Proficiency with Encompass loan origination system preferred. Company Description Founded at the height of the mortgage crisis in 2008, EPM has rapidly evolved into one of the leading mortgage lenders in the U.S. Our vision is clear to live in a world that everyone has the opportunity for the American Gift. We strive to offer top-tier financial services, exceptional communication, and unwavering assistance to our clients. Our goal is not only to facilitate homeownership but also to empower individuals and families through informed financial decisions, by closing one loan perfectly at a time. - Headquartered in Atlanta, GA. - Licensed in 50 states. - Provides an array of lending resources such as Conventional, FHA, VA, Reno, Reverse, and USDA loans. - Trusted Seller/Servicer for Fannie Mae, Freddie Mac, and Ginnie Mae. 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. We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.