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Mortgage Underwriter

Mortgage Underwriter DISC Chart

Job Summary

A mortgage underwriter is responsible for deciding to approve or deny a mortgage loan. Mortgage underwriting is the process a lender uses to determine if the risk of offering a mortgage loan to a particular borrower under certain parameters is acceptable. Most of the risks and terms that underwriters consider fall under the 3 C's of underwriting: credit, capacity, and collateral.

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Personality types of a Mortgage Underwriter

Each letter of DISC represents polar personality types with correlating behaviors and characteristics. Learn more about their strengths and weaknesses, how they communicate, and more
D

high D - Problem Solver

Likes to make decisions
I

low I - Supporter

Likes to work on their own
S

high S - Stabilizer

Likes consistency
C

high C - Rule Follower

Likes to follow procedures

Behavioral Qualities for a Mortgage Underwriter

Behavioral qualities make people naturally act in a certain way. Utilize people's natural behaviors and strengths at work.
  • Task-oriented. Focused on the big objectives, rather than the humanistic side.
  • Stoic. Able to control emotions and passion.
  • Structured. Organized and systematic.
  • Disciplined. Controlled and orderly.

Motivators for a Mortgage Underwriter

Motivators are values that drive people. To retain passionate employees, place people in a role that utilizes their values
  • Political: A drive for authority, to take command. To tend to the political drive, allow them to take leadership.
  • Regulatory: A drive to maintain order and the status quo. To tend to the regulatory drive, give procedures to upkeep to make processes efficient.
  • Theoretical: A drive to learn and gain new knowledge. To tend to the theoretical drive, let them constantly learn new rules and laws.

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A compensation philosophy statement documents why a company pays employees a certain way which helps attract, retain and motivate them.

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