Mortgage Underwriter

What You'll Do

Independently underwrite a wide range of mortgage loans, including FHA, VA, USDA, conventional, and Non-QM products

Review and analyze credit, income, assets, collateral, and supporting documentation to determine loan eligibility and assess risk through both AUS and manual underwriting

Ensure loan files meet HUD, FHA, investor, regulatory, and internal guidelines and overlays

Request and evaluate additional documentation as needed to make accurate underwriting decisions

Approve or deny mortgage loans while clearly documenting the rationale for each decision

Communicate underwriting decisions and conditions to loan officers and internal partners

Collaborate with operations teams, clients, and brokers to ensure timely and accurate loan processing

Meet company service level agreements (SLAs) for turnaround times and file quality

Provide exceptional customer service by responding to underwriting questions and documentation requests

Support additional underwriting responsibilities as business needs require

What You Bring

5+ years of mortgage underwriting or mortgage lending experience

Active DE/CHUMS and LAPP/SAR certification required

Minimum 2 years of manual underwriting experience

Recent wholesale underwriting experience required

High school diploma required; college degree preferred

Strong knowledge of conventional, FHA, VA, USDA, and Non-QM loan products

Working knowledge of federal mortgage regulations, including RESPA, TILA, Dodd-Frank, and investor guidelines

Proficiency with automated underwriting systems, Encompass (preferred), and Microsoft Office

Strong analytical, decision-making, communication, and problem-solving skills

Highly organized, detail-oriented, and committed to delivering quality work in a fast-paced environment.