Residential Mortgage Underwriter

Job overview

The Residential Mortgage Underwriter role is onsite in Miami, FL. Compensation is not specified. The position supports Banesco USA’s Residential Lending Credit unit and Sales team. The underwriter manually evaluates residential mortgage applications and portfolio loans to make documented credit decisions in line with lending guidelines and regulatory requirements. Thorough review of borrower documentation and property appraisals, along with collaboration with sales and credit stakeholders, supports compliant and efficient loan processing.

What you'll do

• Manually analyze residential credit packages, including credit profiles, income and tax documentation, and asset statements
• review property appraisals and collateral risk
• underwrite and approve residential portfolio loans without automated underwriting systems
• use Encompass LOS to navigate files and structure lending scenarios
• render and document credit decisions and conditions within regulatory timelines
• comply with applicable federal and state banking regulations
• communicate credit guidelines to the sales team.

What we're looking for

Skills & competencies

residential mortgage underwriter

miami fl

banesco usa

onsite

mortgage underwriting

manual underwriting

residential portfolio loans

encompass los

credit analysis

appraisal review

bilingual english and spanish

banking compliance

Work arrangement

• Weekend coverage required

Why this role

Requires at least two years of direct residential mortgage underwriting experience, two consecutive years of tenure with a previous employer, and fluency in English and Spanish. A bachelor’s degree is a plus; high school diploma or equivalent experience is required.

About the employer

Banesco USA is hiring for this role. Industry: Commercial Banking. Sector: 52.