Mortgage Underwriter; FHA, VA, SAR, LAPP

Overview

Description:

We are seeking a qualified FHA/VA Underwriter with current DE and LAPP/SAR certifications. The ideal candidate will have a solid understanding of FHA and VA underwriting guidelines and be able to make sound credit decisions in compliance with investor and regulatory requirements.

• Review and underwrite FHA and VA loan files in accordance with HUD and VA guidelines
• Evaluate credit, income, asset, and collateral documentation to determine creditworthiness and risk
• Ensure loans meet investor, agency, and company policy requirements
• Conduct thorough risk assessments to ensure compliance with lending guidelines
• Identify potential fraud risks and implement preventive measures
• Communicate underwriting decisions and conditions clearly to internal teams and clients
• Collaborate with loan officers to facilitate the underwriting process
• Stay current on industry regulations, investor updates, and underwriting best practices
• Assist in the development and refinement of underwriting policies and procedures

• FHA Direct Endorsement (DE) certification (required)
• VA LAPP/SAR certification (required)
• 5+ years of experience underwriting FHA and VA loans
• Conventional loan underwriting experience
• Familiarity with Non-QM products (a plus)
• Strong attention to detail and understanding of agency guidelines
• Ability to manage workload efficiently and meet established turn times

• The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions of the job.
• Regularly required to sit, stand, walk, talk, and hear.
• Regularly required to use hands to finger, handle, or feel; and reach with hands and arms.
• Occasionally required to stoop, kneel, or crouch.
• Regularly required to lift and/or move up to 10 pounds.
• Occasionally required to lift and/or move up to 25 pounds.
• Specific vision abilities required by this job include close vision, distance vision, color vision, and ability to adjust focus.