Underwriter - Trust Silicon Valley

Underwriter – Housing Trust Silicon Valley

Now Hiring:
Underwriter | Housing Trust Silicon Valley. Join a mission‑driven organization helping first‑time home buyers achieve home ownership across the Bay Area. Housing Trust Silicon Valley is seeking an Underwriter to support down payment assistance and affordable home ownership programs. Unlike many traditional underwriting roles, this position offers significant direct interaction with borrowers, allowing you to guide first‑time home buyers through the lending process while making informed underwriting decisions.

You’ll own files from application through approval, partnering closely with home buyers, lenders, real estate professionals, and community stakeholders to deliver an exceptional customer experience and help families achieve their home ownership goals. San Jose, CA (Hybrid: 2 days onsite, 3 remote). $42.78–$50.00/hour. If you’re looking to combine your underwriting expertise with meaningful client relationships and community impact, we’d love to connect.

The Underwriter reports to the Manager of the Homebuyer Programs and plays a key role in evaluating loan applications for down payment assistance and other homebuyer programs. The Underwriter ensures compliance with program guidelines, regulatory standards, and internal policies while delivering excellent service to borrowers and partners. In addition, the Underwriter takes ownership of files from application through approval, resolves standard to complex scenarios, and supports timely, accurate loan decisions under the supervision and guidance of the Manager of Homebuyer Programs.

The Underwriter also contributes to process improvements and collaborates across departments to support successful outcomes for first‑time home buyers.

• Demonstrate knowledge of all homebuyer assistance programs, eligibility requirements, and underwriting standards.
• Apply program guidelines accurately and consistently in underwriting decisions.
• Maintain compliance with internal policies, program regulations, and lending laws, including TILA, RESPA, ECOA, FCRA, and HMDA.
• Stay informed of updates to underwriting practices, program requirements, and regulatory guidelines.
• Assist with maintaining complete and organized documentation for compliance and audit purposes.

• Review and analyze loan applications to determine program eligibility and assess loan risk.
• Verify and evaluate income, asset, credit, and collateral documentation.
• Underwrite loans in accordance with program and regulatory guidelines; issue decisions with clear rationale.
• Review and clear loan conditions to ensure complete and accurate files.
• Prepare files for final review and approval/denial by the Manager of Homebuyer Programs.
• Escalate complex scenarios or policy questions to management as appropriate.
• Maintain accountability for assigned files from application through approval, meeting deadlines and service standards.
• Ensure accurate data entry and documentation using systems such as Salesforce, , and Excel‑based loan worksheets.
• Meet department productivity and quality expectations.

• Provide responsive, professional support to borrowers, internal staff, and external partners.
• Collaborate with processors, program specialists, lending and real estate professionals to complete documentation.
• Communicate underwriting decisions and status updates clearly to team members and professionally to external stakeholders.
• Promote transparency and alignment through timely and effective communication.

• Participate in quality control activities and peer reviews to support consistent underwriting standards.
• Provide feedback to support process improvements and efficient program operations.
• Occasionally support outreach and educational activities related to home ownership programs.
• Manage workload effectively to meet established timelines.

• Conduct borrower counseling sessions covering documents, disclosures, and closing procedures.
• Support the…