Rapid Mortgage Company

• Analyze and underwrite loan files including credit, income, assets, appraisals, title, and supporting documentation. • Issue clear, concise approval, suspension, or denial decisions within delegated authority. • Underwrite loans to current FHA, VA, USDA, and Conventional guidelines. • Perform manual underwrites for loans that do not receive AUS Approve/Eligible findings. • Interpret and evaluate complex self-employed income documentation (K-1s, Schedule C, 1120s, 1065s). • Review large deposits, verify funds for closing, and ensure adequate reserves. • Communicate conditions and rationale for decisions to internal stakeholders clearly and professionally. • Ensure all underwritten files meet agency, investor, and federal compliance requirements. • Stay informed on changes to underwriting policies, loan products, and regulatory updates. • Partner with processing and sales teams to promote a collaborative and efficient pipeline.