What are the responsibilities and job description for the Junior Underwriter position at EPM?
EPM is growing, and we are seeking a Jr. Underwriter to join our team onsite at our Headquarters in Atlanta, Georgia. 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 & Skills
- 3 years of wholesale account management experience, with previous experience as an underwriter preferred.
- Extensive knowledge of conventional mortgage loan products.
- 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.
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 new mission, launched in early 2020, emphasizes our commitment: "We are a resource, and voice, for financial empowerment." This mission underscores our dedication to fostering financial literacy and accessibility within the communities we serve.
EPM's vision is clear: 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.
Headquartered in Atlanta, GA, EPM is licensed in 50 states and provides an array of lending resources such as Conventional, FHA, VA, 203K, 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.
At EPM, we are committed to fostering a diverse and inclusive workplace where all individuals are valued and respected. We believe that a variety of perspectives enhances our team and drives innovation. Our hiring process adheres to fair employment practices, ensuring that all candidates receive equal consideration based on their qualifications and abilities. We encourage applicants from all backgrounds to apply and join us in creating an inclusive environment that reflects the communities we serve.
