Hiring: Mortgage Loan Underwriter Company: Seacoast Bank Location: Naples, FL Job Posted Time: 2026-09-10 14:19:11 About the job Experience: •Four or more years of experience in residential mortgage underwriting, including conventional and government loan products. •Strong working knowledge of FNMA, Freddie Mac, FHA, VA, USDA/Rural Development, private mortgage insurance requirements, and applicable state or housing programs (e.g., SHIP). •Demonstrated capacity to independently analyze complex credit scenarios and make well‑reasoned risk decisions. •Demonstrated capacity to read, interpret, and apply agency guidelines, investor overlays, regulatory requirements, and internal policies. •Excellent written and verbal communication skills, with the ability to clearly document underwriting decisions and exception rationale. Required Skills: •Underwrite conventional and government loan products (FNMA, Freddie Mac, FHA, VA, USDA/Rural Development, and applicable portfolio or specialty programs) with a focus on investment‑quality and salable loans. •Perform thorough risk analysis of borrower credit, income, assets, collateral, and overall loan structure to ensure compliance with agency, investor, and internal credit standards. •Exercise delegated underwriting authority within approved limits; escalate or present loans exceeding authority or containing exceptions to Senior Management or Credit Committee as required. •Prepare and submit mortgage insurance (MI) packages to private mortgage insurance companies for loans requiring MI approval outside delegated authority. •Maintain current knowledge of agency, investor, and MI guidelines, including policy updates and underwriting changes. •Partner with Loan Officers, Processors, and Operations staff to resolve underwriting issues efficiently while maintaining credit integrity. •Provide guidance, training, and technical support to lending and processing teams on underwriting guidelines, risk considerations, and documentation requirements. •Ensure adherence to all fair lending, AML/BSA, and consumer protection regulations, including CIP, due diligence, enhanced due diligence, and disclosure requirements. Qualifications: •Bachelor’s degree from an accredited four‑year college or university or equivalent demonstrated knowledge and experience in residential mortgage underwriting. Interested candidates, please apply directly through the job posting on company's career page or try via AI auto apply on this platform. Don't miss this opportunity to join a forward-thinking team!