Mortgage Underwriter

About the Role

As a Retail Mortgage Underwriter, you'll deliver strategic impact by making sound credit decisions that protect portfolio quality while keeping files moving. This role exists to apply ownership of risk, guideline adherence, and borrower outcomes across residential mortgage loans.

Responsibilities

• Underwrite loan files to granted authority in line with investor, GSE, and FHA/VA requirements
• Review applications, income/asset documentation, appraisal and title to confirm accuracy, completeness, and compliance
• Evaluate income, credit, equity, and layered risk; flag red flags and potential misrepresentation
• Validate AUS findings and data integrity; clear conditions and document support
• Partner with Loan Officers/Relationship Managers on guideline interpretation and file questions
• Stay current on investor/regulatory updates impacting underwriting

Qualifications

• Bachelor's degree preferred
• Adherence to established policies and procedures pertinent to the position which include but are not limited to BSA, Privacy, CRA and Safeguarding Customer Information
• 3+ years residential mortgage underwriting; strong conventional conforming background
• DE and SAR/LAPP certifications required
• Knowledge of 203K and Homestyle; working knowledge of Encompass
• Strong written/verbal communication; able to meet deadlines under pressure

Total Rewards

• Competitive total compensation with a $100,000–$110,000 salary range
• Medical, Dental, and Vision coverage
• 401(k) and Flexible Spending Account
• Paid Time Off
• Snack/Drink Room when on site

Schedule

Monday–Friday, 9–5, with work-from-home flexibility.