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Company name
Ark Mortgage, Inc.

Spring Valley, NY

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Ark Mortgage is seeking a thorough Residential Mortgage Loan Underwriter for a full-time position within our growing company located in our Spring Valley, NY. The Underwriter will be responsible for evaluating the borrowers’ financial and credit information in tandem with property valuations to determine our borrowers’ credit risk. The Residential Mortgage Loan Underwriter will be expected to work closely with all members of the production team throughout the process to bring loans to closing.

Salary will commensurate with experience.

This position is not remote. The office is located in Spring Valley, NY. The office is right off of I-87 NY State Thru-way which connects with the I-287 & GSP within minutes.

Principle Duties and Responsibilities

Underwrite safe and sound mortgage loans in an expedient manner through a review process of analyzing and evaluating income, assets, liabilities, and property

Carefully assess and evaluate the risk of financing requests within the framework of the companies’ credit culture and current economic and industry trends

Maintain compliance with FHLMC/FHA/FNMA guidelines; review self-employed, corporate and partnership tax returns, profit and loss, as well as financial statements to ascertain borrowers’ income

Ensure all loans are compliant with the companies’ underwriting standards and acceptable to FHLMC/FHA/FNMA and all Government-Sponsored Enterprise agencies.

Review and audit loan files for completeness and accuracy, analyzing credit documents, including, but not limited to, mortgage applications, credit reports, income documents, title reports, appraisals and all applicable compliance documents

Review all conditions of the loan approval and ensure all conditions are satisfied prior to submitting the loan to the Closing Department for completion of the closing package.


High school diploma or equivalent

Minimum of 2 years of recent industry experience DE is a plus

Complete understanding of the legal, compliance and investor requirements of residential mortgage products including conforming, alternative and/or government programs

Experience analyzing loan and borrower data and determining best course of action

Knowledge of Encompass preferred

Strong analytical and problem-solving skills; ability to solve complex problems

Self-motivated and high producer; ability to work independently and with minimal supervision.

Ability to prioritize work and meet deadlines within an acceptable time frame

Strong written and oral communication skills, team player and ability to work as a team with the Team Lead, Loan Processor and supporting staff

Strong organizational skills with the ability to multi-task are necessary

The above statements are intended to describe the general nature of work being performed by people assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties and skills required of employees so classified.

Work environment that is collegial with opportunity for career development

Opportunity to work at a company that is experiencing strong growth in marketplace

We offer a generous Employee Benefits Package after 90 days of full-time employment which includes:

Health Care Plan (Medical & Dental)

401(k) Plan

Vision Plan (VSP)

Employee Discount Program

PTO Paid Time Off (Vacation, Sick & Public Holidays)

Family Leave (Maternity, Paternity)

Training & Development

Free coffee & Snacks

Human Resources Department

Ark Mortgage, Inc.

1 Perlman Drive

Spring Valley, NY 10977

Fax: 845.694.8390

Phone: 845.503.3500, ext. 6008

Company info

Ark Mortgage, Inc.

Company Profile

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