Senior Jumbo Underwriter

THE TEAM

At Kind Lending, our family of diverse and talented Kind Ambassadors are the driving force behind our new approach to the mortgage experience. They're the heart and soul of the organization and our "People Before Profits" mentality shines through in every department. Kind Lending is growing and is looking for top mortgage professionals who value opportunity, lasting business partnerships, and who live out our KIND mindset.

Kind Lending is determined to provide the best service in the industry while also providing home buyers with a great selection of products to enhance their buying experience. Backed by our trusted leadership team, Kind Lending's friendly and professional model puts the “fun” in funding.

We are seeking an experienced and detail-oriented Senior Jumbo Underwriter to join our growing mortgage team. This individual will play a key role in evaluating and underwriting complex jumbo loan transactions while maintaining superior service levels for both internal and external customers. The ideal candidate will possess strong knowledge of jumbo guidelines, exhibit sound credit judgment, and thrive in a fast-paced, high-volume environment.

If you are passionate about delivering quality decisions, building strong relationships with sales teams, and ensuring an exceptional customer experience, we would love to hear from you.

• Underwrite residential mortgage loans in accordance with jumbo investor guidelines and company policies.
• Analyze borrower credit, income, assets, collateral, and overall loan risk.
• Review complex tax returns, self-employed borrower income, trust documentation, and layered risk scenarios.
• Evaluate appraisal reports and collateral risk for jumbo transactions.
• Issue loan approvals, suspense conditions, and decline decisions with clear communication and sound rationale.
• Partner closely with Account Executives, Loan Officers, Processing, and Operations teams to ensure timely loan decisions and exceptional service.
• Maintain turn times while balancing quality and risk mitigation.
• Stay current on investor overlays, compliance requirements, and industry trends.

• Minimum 3–5 years of mortgage underwriting experience, with significant jumbo underwriting expertise required.
• Strong understanding of jumbo investor guidelines and layered risk assessment.
• Experience analyzing complex income scenarios, including self-employed borrowers, K-1s, tax returns, and multiple income streams.
• Knowledge of appraisal review, reserve requirements, and asset documentation for high-balance loans.
• Strong decision-making, communication, and problem-solving skills.
• Ability to thrive in a fast-paced production environment while maintaining accuracy and quality.
• Non-QM experience is a plus.

The starting base pay range for this position is $43.27/hour. The actual base is dependent on many factors such as: work experience, business needs, market demands, and other compensation components. The base pay range is subject to change and may be modified in the future.

This job description is not intended, nor should it be construed to be an exhaustive list of all responsibilities, duties, skills, or working conditions associated with a job. It is intended to be a general description of the principal requirements common to positions of this type.

Must be able to verify identity and employment eligibility to work in the U.S. without a visa sponsorship.

This job profile is not intended to be an all-inclusive list of job duties and responsibilities, as one may perform additional related duties as assigned to meet the needs of the organization.

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. Must be able to lift up to ten pounds. Primary functions require sufficient physical ability and mobility to work in an office setting;

to stand or sit for prolonged periods of time; to…