Underwriter Senior - Home Lending
Core
Underwrite residential first mortgage and Home Equity loan applications to ensure credit and compliance alignment with product guidelines.
Role type
Senior mortgage underwriter (residential lending)
Builds
Residential mortgage loan approvals and denials
Domain
Banking / Mortgage Lending
Deliverable
production ML models | product features | dashboards & analysis | research | client delivery | infrastructure | physical/clinical work
Required skills
risk-based portfolio analysis, complex loan structure analysis, cash flow analysis, regulatory compliance, loan document interpretation, policy application, high-volume production management
Preferred skills
DE (Direct Endorsement) designation, VA/FHA/USDA underwriting, construction loan underwriting, self-employed borrower analysis, investment property underwriting, tax return and financial statement review, Desktop Underwriter and Loan Prospector proficiency
Technologies
Desktop Underwriter, Loan Prospector, mortgage origination software
Responsibilities
Underwrite conventional, government (FNMA, FHLMC, FHA, VA), and CRA portfolio files from initial decision to clear-to-close; analyze complex loan structures and financial documents; adhere to service level standards for production and turn-time; respond to audit and regulatory examinations.
Seniority
Senior, hands-on IC