Mortgage Underwriter

Mortgage Underwriting Analyst

The purpose of this position is to support and influence business decisions in the home lending space. This role is expected to evaluate mortgage loan data and applicable documentation to determine eligibility, acceptability, and compliance with applicable state, federal and investor guidelines.

The ideal candidate for this position must possess mortgage underwriting experience with the ability to demonstrate self-sufficiency with accessing, processing and interpreting information. The ideal candidate will also have servicing knowledge including line management review and subordination requests, as well as experience with property and credit underwriting requirements of FNMA, FHLMC, Non-Agency Jumbo, FHA, VA, HELOC/HELOAN and other loan programs. Ability to work independently, analyze data, take and recommend appropriate actions with minimal supervision.

• Perform analysis on conventional conforming and Non-Agency Jumbo as well as HELOC/HELOAN loan data.
• Perform pre and post purchase due diligence reviews including preparing correspondence, deficiency clearing and additional tasks as necessary
• Analyze complex tax returns and accurately calculate income.
• Identify key loan factors impacting borrower eligibility, property eligibility, and credit qualification for complex or atypical financial profiles, collateral, and loan structures.
• Identify and summarize exception loans for escalation to leadership for business decision.
• Input data and notes into appropriate loan system.
• Maintain quality and production standards as set forth by management.
• Effectively communicate, orally, in writing, and via email, the decisions reached as to maintain positive working relationships with internal and external stakeholders.
• Ability to explain specific reasons for negative purchase decisions and recommend possible solutions.
• Collaborate with internal partners such as Risk, Product, Compliance, and Legal as necessary.
• Provide support for Internal and External audit requests as well as internal control testing.
• Work with leadership on credit policy updates including regular review of agency, competitor, and regulatory requirements for adoption.

• Number of Years' Experience Preferred: 5 plus years
• Top 3-5 Requirements:
  Mortgage underwriting experience, quality control and/or due diligence experience, excellent written and oral communication skills
• Skills:
  
  Business analysis, mortgage, mortgage underwriting, quality control, due diligence, underwriting, credit risk

Job Type &

Location:

This is a Contract position based out of Minneapolis, MN.

Pay and Benefits:

The pay range for this position is $30.00 - $45.00/hr eligibility requirements apply to some benefits and may depend on your job classification and length of employment. Benefits are subject to change and may be subject to specific elections, plan, or program terms. If eligible, the benefits available for this temporary role may include the following:
Medical, dental & vision, Critical Illness, Accident, and Hospital, 401(k) Retirement Plan Pre-tax and Roth post-tax contributions available, Life Insurance (Voluntary Life & AD&D for the employee and dependents), Short and long-term disability, Health Spending Account (HSA), Transportation benefits, Employee Assistance Program, Time Off/Leave (PTO, Vacation or Sick Leave)

Workplace Type:
This is a hybrid position in Minneapolis, MN.

Final date to receive applications:
This position is anticipated to close on Jun 1, 2026.