GEM Mortgage

Corporate Underwriter

Job Locations US-CA-Bakersfield
Full Time


GEM Mortgage, a division of Golden Empire Mortgage (GEM) is proud to hold ourselves as one of the most respected lenders in the mortgage industry for nearly 30 years. The GEM business philosophy holds true that all consumers deserve access to credit, where “our customers are our business” is the cornerstone for excellence.


Golden Empire Mortgage isn't just about mortgages and home lending - GEM is about people, and building lasting customer relationships.


At GEM we understand that the lending process can be intimidating, that’s why we ensure that all of our employees hold to the highest level of client satisfaction. We pride ourselves on integrity, knowledge and state of the art technology all in an effort to provide our customers with excellent customer service and the best rates possible.


Job Summary
The Corporate Underwriter is responsible for underwriting various types of mortgage loans per established company and investor guidelines.


Essential Job Functions

  • Underwrite a full range of mortgage loans including Conventional, Conventional, FHA and VA
  • Meet established underwriting turn times and underwrite a minimum of 35-40 loans per month while maintaining quality
  • Ensure that loans meet Agency and investor standards
  • Provide excellent customer service to the branches by fielding telephone and e-mail questions on loan programs and
    underwriting guidelines
  • Complete other tasks as requested by department manage
  • Other duties as assigned.

FLSA Status: Non-Exempt


Minimum Requirements

  • High School Diploma/GED
  • 3-5 years minimum of mortgage underwriting experience in a retail, wholesale or correspondent lending environment.
  • Active Government designation preferred, but not required.


Additional Abilities Required

  • Good oral and written communication skills
  • Multi task-fast paced environment
  • Excellent organizational skills
  • Proficiency with automated underwriting systems such as Desktop Underwriter and Loan Prospector
  • Functional knowledge of state and federal agency mortgage loan guidelines and regulations
  • Organized, highly detailed, with the ability to effectively prioritize workload and meet deadlines


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