This list contains only the countries for which job offers have been published in the selected language (e.g., in the French version, only job offers written in French are displayed, and in the English version, only those in English).
An established mortgage organization is seeking an experienced Senior Mortgage Loan Underwriter to join its team. This role is responsible for reviewing, analyzing, and underwriting residential mortgage loan applications to ensure compliance with agency, investor, and regulatory guidelines. The ideal candidate is a strong independent decision-maker with deep knowledge of government and conventional underwriting standards and the ability to manage a high-volume pipeline in a deadline-driven environment.
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
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