CrawlJobs Logo
Robert Half Logo Robert Half · Banking

Mortgage Underwriter

United States, Kalamazoo · Job Posted June 29, 2026
Apply Position
Job Link Share

Job Description

We are looking for a Mortgage Underwriter to join a banking team in Kalamazoo, Michigan on a contract basis with the potential for a long-term opportunity. This position focuses on evaluating residential mortgage applications with a careful, risk-aware approach while ensuring alignment with lending standards, investor expectations, and regulatory requirements. The ideal candidate brings strong underwriting expertise, sound judgment, and the ability to communicate decisions clearly in a fast-paced environment.

Job Responsibility

  • Assess residential mortgage files by examining borrower credit profiles, income sources, assets, debts, and supporting documentation to determine overall eligibility
  • Review property-related documentation, including appraisals, to confirm collateral quality, accuracy, and acceptability for lending decisions
  • Analyze loan scenarios against applicable investor rules, internal lending policies, and regulatory standards to support compliant underwriting outcomes
  • Use sound judgment to identify risk, determine appropriate conditions, and issue approval, suspense, or denial decisions based on file findings
  • Verify that each loan package is complete, accurate, and sufficiently documented before a final underwriting determination is made
  • Communicate decisions, stipulations, and supporting rationale to processing and internal lending partners in a timely and clear manner
  • Recommend compliant solutions or alternative structuring options when exceptions or complex borrower circumstances arise
  • Stay current on residential mortgage underwriting practices, guideline updates, and changing industry regulations that affect loan decisions

Requirements

  • At least 3 years of experience underwriting residential mortgage loans
  • Working knowledge of conventional, FHA, VA, and other residential lending programs
  • Experience evaluating appraisal reports and assessing collateral-related risk
  • Ability to interpret credit reports, tax returns, income documents, asset statements, and related financial records
  • Strong analytical skills with a high level of accuracy and attention to detail
  • Effective written and verbal communication skills for interacting with internal stakeholders
  • Ability to manage multiple active loan files and meet deadlines in a high-volume environment
  • Proficiency with mortgage loan origination and underwriting platforms

What we offer

  • Medical insurance
  • Vision insurance
  • Dental insurance
  • Life and disability insurance
  • 401(k) plan
Robert Half - All Job Offers

Looking for more opportunities?

Search for other job offers that match your skills and interests.

Suggested Tags: Frontend Developer Secretary Talent Manager Salesforce Administrator Data Analyst
Similar Jobs for

Mortgage Underwriter

8 matching positions

Mortgage Underwriter

An exciting opportunity has arisen for an experienced and motivated Mortgage Und...
Location
Location
United Kingdom , Loughborough
Salary
Salary:
32000.00 - 35000.00 GBP / Year
https://www.office-angels.com Logo
Office Angels
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Previous mortgage underwriting experience
  • Strong knowledge of mortgage lending criteria and regulations
  • Excellent attention to detail and decision-making skills
  • Strong communication and organisational abilities
  • The ability to manage workloads effectively in a fast-paced environment
  • A team-focused approach with a positive and professional attitude
Job Responsibility
Job Responsibility
  • Assess and underwrite mortgage applications in line with lending policy and regulatory requirements
  • Review customer income, expenditure, credit profiles and supporting documentation
  • Make informed lending decisions within delegated authority levels
  • Liaise with mortgage brokers, solicitors and internal departments to progress applications efficiently
  • Provide excellent service and clear communication throughout the underwriting process
  • Support Senior Underwriters where required on more complex lending cases
  • Ensure all work complies with FCA regulations and internal risk controls
  • Maintain accurate records and case notes
What we offer
What we offer
  • Flexible working / flexi-hours available
  • Hybrid working model - 2 days working from home
  • Free onsite parking
  • Supportive and collaborative team environment
  • Fulltime
Read More
Arrow Right

Mortgage Underwriter

An exciting opportunity has arisen for an experienced and motivated Mortgage Und...
Location
Location
United Kingdom , Loughborough
Salary
Salary:
32000.00 - 35000.00 GBP / Year
https://www.office-angels.com Logo
Office Angels
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Previous mortgage underwriting experience
  • Strong knowledge of mortgage lending criteria and regulations
  • Excellent attention to detail and decision-making skills
  • Strong communication and organisational abilities
  • The ability to manage workloads effectively in a fast-paced environment
  • A team-focused approach with a positive and professional attitude
Job Responsibility
Job Responsibility
  • Assess and underwrite mortgage applications in line with lending policy and regulatory requirements
  • Review customer income, expenditure, credit profiles and supporting documentation
  • Make informed lending decisions within delegated authority levels
  • Liaise with mortgage brokers, solicitors and internal departments to progress applications efficiently
  • Provide excellent service and clear communication throughout the underwriting process
  • Support Senior Underwriters where required on more complex lending cases
  • Ensure all work complies with FCA regulations and internal risk controls
  • Maintain accurate records and case notes
What we offer
What we offer
  • Free onsite parking
  • Supportive and collaborative team environment
  • Flexible working / flexi-hours available
  • Hybrid working model - 2 days working from home
  • Fulltime
Read More
Arrow Right

Mortgage Underwriter

An exciting opportunity has arisen for an experienced and motivated Mortgage Und...
Location
Location
United Kingdom , Loughborough
Salary
Salary:
35000.00 GBP / Year
https://www.office-angels.com Logo
Office Angels
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Previous mortgage underwriting experience
  • Strong knowledge of mortgage lending criteria and regulations
  • Excellent attention to detail and decision-making skills
  • Strong communication and organisational abilities
  • The ability to manage workloads effectively in a fast-paced environment
  • A team-focused approach with a positive and professional attitude
Job Responsibility
Job Responsibility
  • Assess and underwrite mortgage applications in line with lending policy and regulatory requirements
  • Review customer income, expenditure, credit profiles and supporting documentation
  • Make informed lending decisions within delegated authority levels
  • Liaise with mortgage brokers, solicitors and internal departments to progress applications efficiently
  • Provide excellent service and clear communication throughout the underwriting process
  • Support Senior Underwriters where required on more complex lending cases
  • Ensure all work complies with FCA regulations and internal risk controls
  • Maintain accurate records and case notes
What we offer
What we offer
  • Flexible working / flexi-hours available
  • Hybrid working model - 2 days working from home
  • Free onsite parking
  • Supportive and collaborative team environment
  • Fulltime
Read More
Arrow Right

Mortgage Underwriter

We are seeking an experienced Mortgage Underwriter to join our team as a contrac...
Location
Location
United States
Salary
Salary:
50.00 USD / Hour
fin.capital Logo
Fin Capital
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • 3+ years of mortgage underwriting experience, including FHA and VA
  • Skilled in reviewing borrower documentation (e.g., W-2s, tax returns, pay stubs, self-employment income, appraisal, title, etc)
  • Strong expertise in income analysis, credit evaluation, and AUS findings
  • Experience testing technology products or tools is a plus
  • Tech-savvy with ability to critique mortgage software and explain findings clearly
  • Excellent documentation, prioritization, and communication skills
Job Responsibility
Job Responsibility
  • Apply advanced knowledge of Fannie Mae, Freddie Mac, FHA, and VA guidelines to rigorously test mortgage underwriting tools and validate accuracy
  • Review borrower documentation (income, assets, credit, collateral, AUS findings) and confirm the correct application of underwriting rules within the product, such as income calculator output
  • Document test results thoroughly, flag discrepancies, and recommend solutions to ensure compliance with agency and investor standards
  • Serve as the subject matter expert on underwriting practices, providing clarity and context to both technical and non-technical teams
  • Translate complex underwriting requirements into clear and simple language and communicate effectively to stakeholders, both written and verbal
  • Partner closely with Product to share enhancement opportunities
  • Provide ongoing SME input to the Sales team
  • Communicate findings and recommendations effectively to both leadership and cross-functional stakeholders, ensuring alignment across teams
  • Parttime
Read More
Arrow Right

Residential Real Estate Mortgage Underwriter

The Citi Wealth Residential Real Estate Mortgage Underwriter will serve as a pri...
Location
Location
United Kingdom , London
Salary
Salary:
Not provided
https://www.citi.com/ Logo
Citi
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • CeMAP qualified (or equivalent)
  • Strong Mortgage Regulatory knowledge and experience in the UK (and EU is preferable)
  • Strong and proven analytical, financial structuring and execution skills
  • Experience with regulatory internal and external audits beneficial
  • Bachelor's/University degree or equivalent experience
  • Excellent communication (verbal and written) and interpersonal skills
  • Ability to work under pressure and multi-task to tight deadlines
  • Good negotiation skills
  • Strong initiative and interactive approach to problem solving
  • Display flexibility and independence in a demanding environment
Job Responsibility
Job Responsibility
  • Serve as primary contact for mortgage process from inquiry to closing
  • Structure and underwrite residential mortgage loans in accordance with established Product Programs
  • Prepare, maintain and communicate pipeline
  • Primary point of contact for obtaining credit documents and clearing underwriting conditions
  • Provide input to Bankers, Associate Bankers and management
  • Responsible for all activities from applications through underwriting submission
  • Assist with residential real estate portfolio management audits, reviews, and performance reporting
  • Assist with residential real estate projects
  • Obtain relevant information from all parties in the lending cycle
  • Function as part of a deal team
  • Fulltime
Read More
Arrow Right

Mortgage Underwriter Team Leader

Admiral Mortgages are looking for a Mortgage Underwriter Team Leader to join the...
Location
Location
United Kingdom , Cardiff
Salary
Salary:
Not provided
admiralgroup.co.uk Logo
Admiral Group Plc
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Preferably CEMAP qualified
  • Proven experience as a mortgage underwriter with in-depth knowledge of Second Charge or Specialist lending
  • Previous experience in a leadership or supervisory role within financial services or homeowner loan underwriting
  • Strong understanding of credit risk assessment, affordability, and regulatory requirements (FCA, PRA, AML, GDPR, etc.)
  • Excellent analytical and decision-making skills with strong attention to detail
  • Effective communicator with the ability to influence and support team members at all levels
  • Highly organised with the ability to manage workloads, prioritise tasks, and deliver against deadlines
Job Responsibility
Job Responsibility
  • Lead, motivate, and develop a team of mortgage underwriters through coaching, mentoring, regular one-to-ones, and ongoing training
  • Review and authorise complex homeowner loan applications in line with credit policy, risk frameworks, and regulatory standards
  • Act as a referral point for escalated or challenging cases, providing clear guidance and sound decision-making
  • Support the Underwriting Manager in shaping and improving underwriting policies, procedures, and risk controls
  • Collaborate with colleagues across Sales, Risk, Compliance, and Servicing to resolve queries, enhance processes, and deliver an excellent customer experience
  • Ensure compliance with FCA, PRA, and other relevant regulatory requirements, maintaining up-to-date knowledge of industry trends and changes
  • Foster a positive team culture that values integrity, accountability, and continuous improvement
What we offer
What we offer
  • Up to £3,600 of free shares each year after one year of service
  • 33 days holiday (including bank holidays) when they join us, increasing the longer you stay with us, up to a maximum of 38 days (including bank holidays)
  • Option to buy or sell up to an additional five days of annual leave
  • Financial & Mortgage Advice
  • 24-Hour Ecare
  • Cycle to Work Scheme
  • Annual Holiday Allowance
  • Flexible Working
  • Simply Health
  • Private Health Cover
  • Fulltime
Read More
Arrow Right

Senior Mortgage Loan Underwriter

An established mortgage organization is seeking an experienced Senior Mortgage L...
Location
Location
United States , Nashville
Salary
Salary:
Not provided
https://www.roberthalf.com Logo
Robert Half
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • 3+ years of mortgage underwriting experience (5+ years preferred)
  • Experience underwriting FHA, VA, USDA, and conventional loan products
  • FHA Direct Endorsement (DE) strongly preferred
  • Proven ability to independently assess credit risk and make sound underwriting decisions
  • Experience in a fast-paced, deadline-driven environment
  • Strong knowledge of mortgage regulations and compliance standards
Job Responsibility
Job Responsibility
  • Underwrite residential mortgage loan files in accordance with FHA, VA, USDA, FNMA, FHLMC, and internal guidelines
  • Independently assess borrower risk, including income, assets, credit, and collateral
  • Review loan documentation for completeness, accuracy, and compliance with regulatory requirements (TRID, RESPA, CFPB)
  • Analyze automated underwriting system (AUS) findings and perform manual underwriting when appropriate
  • Communicate with loan officers, processors, and other stakeholders to resolve conditions and deficiencies
  • Manage underwriting pipeline to meet closing timelines and rate lock deadlines
  • Review appraisals and ensure properties meet program and investor requirements
  • Provide guidance and expertise on underwriting scenarios and complex loan structures
What we offer
What we offer
  • medical
  • vision
  • dental
  • life and disability insurance
  • company 401(k) plan
  • free online training
Read More
Arrow Right

Mortgage QC Underwriter

The Mortgage QC Underwriter is responsible for rendering QC on closed loan files...
Location
Location
United States , Cincinnati
Salary
Salary:
100000.00 USD / Year
realign-llc.com Logo
Realign
Expiration Date
Until further notice
Flip Icon
Requirements
Requirements
  • Minimum 24-36 months of conventional mortgage underwriting/QA/QC experience
  • Knowledge of full loan cycle (from beginning to end)
  • Strong understanding of Desktop Underwriter (DU) and Loan Prospector (LP)
  • Strong communication skills, verbal and written
  • Strong analytical skills
  • Demonstrated ability to resolve complicated issues as they arise
  • Proven organizational skills and demonstrated ability to prioritize and multi-task
Job Responsibility
Job Responsibility
  • Render QC on closed loan files
  • Check that credit decisions on incoming applications consistent with underwriting policies
  • Underwrite mortgage commitments
  • Verify supporting documentation as submitted by applicants
  • Analyze income & employment, credit strength, property appraisal, check over debt to income (DTI) and Loan to Value (LTV) and all other information pertinent to the credit decision process on each mortgage application
  • Validate that a prospective mortgagor’s loan application adheres to the lenders, Investors (Freddie or Fannie Mae’s) and guidelines of applicable government agencies to approve the loan
  • Analyze the risk involved in approving a loan to determine whether or not it is acceptable to the lender
  • Mark errors for any deficiencies observed on the loan
  • Verify accuracy of supporting employment documents, source of down payment/reserves, appraisal value and property title commitment received
  • Review of legal documents, if present, to ensure the accuracy & completeness
  • Fulltime
Read More
Arrow Right