Senior Mortgage Underwriter (DE)

New
Freedom to work from anywhere in the U.S.Full-TimeSenior
Salary not disclosed
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Job Details

Experience
3–5 years

Requirements

  • Active FHA DE certification with a valid CHUMS ID
  • 3–5 years of continuous, frontline retail residential mortgage underwriting experience
  • Demonstrated mastery of DU and LPA (Automated Underwriting Systems)
  • Hands-on proficiency with Encompass LOS
  • Deep working knowledge of FHA and conventional conforming guidelines
  • Self-directed, high-accountability work style
  • Strong interpersonal and written communication skills
  • Active VA SAR or LAPP authority (plus)
  • Experience with FHA 203k, USDA, or down payment assistance/bond programs (plus)
  • Jumbo or non-QM underwriting exposure (plus)

Responsibilities

  • Own a diverse pipeline of FHA and conventional conforming loans from submission to clear-to-close
  • Underwrite VA, USDA, and bond/grant program files as volume and licensing allow
  • Apply sound credit judgment on complex files (income, asset, and liability layering)
  • Leverage automated workflows to support underwriting decisions
  • Serve as the strategic underwriting resource for loan officers and processors on difficult-to-structure deals
  • Maintain zero-defect quality standards across the pipeline
  • Stay current on agency guideline changes (FHA, Fannie Mae, Freddie Mac)
  • Work within Encompass LOS and utilize DU and LPA outputs
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