Top 382 Senior mortgage underwriter Jobs in Usa)

Senior Government Underwriter - FHA & VA
First Heritage Mortgage —Fairfax, VA
- $85,000 - $110,000 a year
- Full-time
- Hybrid work
- Background check
- High school diploma or GED
- Analysis skills
- Health savings account
- Health insurance
Quick Apply
Senior Title Officer - Minimum 10 Years Experience
NORTH IDAHO TITLE —Coeur d'Alene, ID
- $24.42 - $32.56 an hour
- Full-time
- Background check
- Basic math
- Analysis skills
- Health insurance
- Dental insurance
Quick Apply
Senior Title Officer - Minimum 10 Years Experience
NORTH IDAHO TITLE —Sandpoint, ID
- $24.42 - $32.56 an hour
- Full-time
- Background check
- Basic math
- Organizational skills
- Health insurance
- Dental insurance
Quick Apply
Director of Mortgage Lending
Day Air Credit Union —Dayton, OH
- $110,000 - $139,000 a year
- Full-time
- Hybrid work
- Background check
- Office
- Residential
- Wellness program
- Health savings account
Quick Apply
Senior Underwriter & Underwriter
EMET LENDING GROUP —Brea, CA
- $80,000 - $100,000 a year
- Full-time
- Sales
- Mid-level
- 3 years
- Health insurance
- Dental insurance
Quick Apply
Senior Underwriter
Village Capital & Investment —Henderson, NV
- Full-time
- Remote
- 5 years
- Windows
- Analysis skills
- Health savings account
- Health insurance
Quick Apply
Senior Mortgage Loan Officer
Starlight Mortgages —Remote
- $50,000 - $100,000 a year
- Full-time
- Remote
- Background check
- Basic math
- Mid-level
Quick Apply
Loan Officer
BTC BANK —Smithton, MO
- Full-time
- Background check
- Microsoft Excel
- Microsoft Outlook
- Health insurance
- Dental insurance
Quick Apply
10d
Mortgage Underwriter
Mountain America Credit Union —West Jordan, UT
- Full-time
- Microsoft Outlook
- Customer service
- Computer literacy
Sr. Home Loan Underwriter
GESA CREDIT UNION —Spokane, WA
- $34.60 - $57.67 an hour
- Full-time
- Background check
- 5 years
- Writing skills
- Commuter assistance
- Paid holidays
Regional President, Title
Lennar —Phoenix, AZ
- Full-time
- Office
- Finance
- Bachelor's degree
- Paid parental leave
- Health insurance
Junior Loan Processor
Trusted Mortgage Capital —Irvine, CA
- $16.90 an hour
- Full-time
- Microsoft PowerPoint
- Microsoft Word
- Microsoft Excel
- Retirement plan
Quick Apply
Senior Loan Processor
CrossCountry Mortgage, LLC —Phoenix, AZ
- Full-time
- 5 years
- Office
- High school diploma or GED
- Wellness program
- Disability insurance
Quick Apply
Mortgage Loan Originator — Training and Warm Opportunities Included
Generations Home Loans —Lodi, CA
- $75,000 - $300,000 a year
- Mid-level
- Organizational skills
- Leadership
- Health insurance
- Dental insurance
Mortgage Loan Originator — Training and Warm Opportunities Included
Generations Home Loans —Stockton, CA
- $75,000 - $300,000 a year
- Mid-level
- Organizational skills
- Leadership
- Health insurance
- Dental insurance
Sr. Real Estate Loan Processor - EXPERIENCE REQUIRED!
Addvantage Credit Union Staffing —Valencia, CA
- $33 - $47 an hour
- Temporary
- Mid-level
- Office
- 3 years
Quick Apply
Mortgage Loan Officer — Warm Referral Opportunities and Room to Grow
Generations Home Loans —Lodi, CA
- $75,000 - $300,000 a year
- Mid-level
- Leadership
- Communication skills
- Health insurance
- Dental insurance
Sr. Loan Processor/Jr. Underwriter/Operations Manager
Premier Mortgage Resources —Duluth, GA
- $40,000 - $60,000 a year
- 8 hour shift
- Hybrid work
- Computer literacy
- Writing skills
- Mid-level
- Health insurance
- Dental insurance
Quick Apply
Sr. Home Loan Underwriter
GESA CREDIT UNION —Richland, WA
- $34.60 - $57.67 an hour
- Full-time
- Background check
- 5 years
- Writing skills
- Commuter assistance
- Paid holidays
Real Estate Underwriter
Texans Credit Union —Richardson, TX
- Full-time
- Background check
- Data analysis skills
- Office
- Health savings account
- Health insurance
Quick Apply

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senior mortgage underwriter jobs near usa)

Senior Government Underwriter - FHA & VA

First Heritage Mortgage -
Fairfax, VA

Quick Apply

Job Details

Full-time
$85,000 - $110,000 a year

Benefits

Health savings account
Health insurance
Dental insurance
401(k)
Flexible spending account
Paid time off
Employee assistance program
Vision insurance
401(k) matching
Life insurance
Referral program

Qualifications

Written communication
Clear verbal communication
Underwriting guidelines adherence
Underwriting
Federal Housing Administration (FHA) loans
Credit risk assessment
Fair Housing regulations
Appraisal review
Housing and Urban Development (HUD) regulations
Consumer lending analysis in risk and credit
High school diploma or GED
Analysis skills
Attention to detail
Industry knowledge of financial regulations
Document review
Organizational skills
Credit report review
FHA Direct Endorsement Certification
Collateral evaluation (loan underwriting)
Verification (borrower information)
Credit report analysis
Veterans Affairs (VA) loans
Encompass
Time management

Full Job Description

Position Summary:

The Senior Government Underwriter is responsible for reviewing and rendering credit decisions on FHA, VA, Conventional, and Non-Agency residential mortgage loan applications, ensuring full compliance with First Heritage Mortgage LLC, investor, and agency guidelines. This role requires expert-level knowledge of HUD and VA policies, strong risk assessment skills, and the ability to apply overlays consistently. The Senior Government Underwriter will utilize active FHA Direct Endorsement (DE) and/or VA SAR/LAPP authority to review credit, income, assets, and collateral, making sound credit decisions while mentoring junior underwriting staff and supporting complex loan scenarios.

Responsibilities and Duties:

Underwriting & Decisioning

· Review and validate credit, property, income, asset, and employment documentation for FHA, VA, USDA, and applicable state housing programs.

· Apply HUD Handbook 4000.1, VA Lender’s Handbook, investor overlays, and company guidelines to ensure compliance.

· Utilize DE and/or SAR authority to approve, suspend, counter-offer, or decline loan files.

· Review and analyze appraisals for accuracy, completeness, and acceptability under FHA and VA requirements.

· Identify and address red flags for potential fraud or misrepresentation.

Collaboration & Communication

· Prepare clear, concise underwriting summaries outlining the credit decision rationale.

· Communicate conditions and decisions effectively to Loan Officers, Processors, and other stakeholders.

· Support escalated scenarios and complex guideline interpretation requests.

File Management & Quality Control

· Review resubmissions and clear conditions to issue final approvals.

· Maintain quality underwriting standards to minimize audit findings and repurchase risk.

· Stay informed on guideline, regulatory, and compliance changes, ensuring timely application in daily work.

Mentorship & Leadership Support

· Provide guidance and training to less experienced underwriters and processing staff.

· Contribute to internal underwriting policy updates and procedural improvements.

Qualifications:

Required Skills/Abilities

· Exceptional written and verbal communication skills.

· Proven ability to document clear, defensible underwriting decisions.

· High attention to detail and strong analytical capabilities.

· Expertise in credit, income, and asset evaluation for FHA and VA lending.

· Proficiency in reviewing personal and business tax returns for income calculation.

· In-depth knowledge of underwriting policies, investor guidelines, and current regulatory requirements.

· Professional judgment to handle confidential borrower information with integrity.

· Strong time management and organizational skills to meet volume and turn-time goals. Education/Experience Requirements

· Minimum 5+ years recent FHA and VA residential mortgage underwriting experience.

· Active FHA Direct Endorsement (DE) and/or VA SAR/LAPP designation in good standing required.

· Experience underwriting USDA and state housing finance/bond programs preferred (Virginia Housing, Maryland Housing, etc.)

· Experience in a high-volume retail mortgage environment strongly preferred.

· Knowledge of Encompass Loan Origination System preferred.

Job Type: Full-time

Pay: $85,000.00 - $110,000.00 per year

Benefits:

401(k)
401(k) matching
Dental insurance
Employee assistance program
Flexible spending account
Health insurance
Health savings account
Life insurance
Paid time off
Referral program
Vision insurance

Application Question(s):

Do you have active FHA Direct Endorsement (DE) and/or VA SAR/LAPP designation in good standing?
Do you have knowledge of Encompass Loan Origination System?

Experience:

FHA and VA residential mortgage underwriting : 5 years (Required)

Ability to Commute:

Fairfax, VA 22030 (Required)

Work Location: Hybrid remote in Fairfax, VA 22030

Quick Apply

Refine Your Search

senior mortgage underwriter jobs in usa)

Senior Government Underwriter - FHA & VA

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Sr. Real Estate Loan Processor - EXPERIENCE REQUIRED!

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