Senior Home Lending Underwriter

How you'll make an impact

• Approval & decline accuracy: Ensure all approval and decline decisions are well-supported, clearly documented, and consistent with credit policy and regulatory expectations.
• Income & asset validation: Accurately calculate and validate borrower income (W-2, self-employed, variable income, rental, etc.) and assess assets to determine repayment ability.
• Fraud risk identification: Review applications for potential fraud indicators (income misrepresentation, occupancy concerns, document inconsistencies, identity risk) and take appropriate action in alignment with fraud protocols.
• Documentation & compliance: Maintain complete, audit-ready loan files with clear rationale, supporting documentation, and decision notes.
• Operational consistency: Apply underwriting guidelines consistently and contribute to maintaining quality and reducing defects across the underwriting process.

Minimum Qualifications

• 5+ years of residential mortgage underwriting experience with independent decisioning authority
• Demonstrated experience making both approval and decline decisions
• Strong experience calculating income across multiple borrower profiles (W-2, self-employed, variable income, rental income, etc.)
• Experience reviewing loan files for fraud risk and escalating concerns appropriately
• Experience working within an LOS and reviewing full loan documentation packages
• Strong documentation skills supporting credit decisions for QA/audit review

Preferred Qualifications

• Experience with HELOC-specific underwriting guidelines and second lien products
• Familiarity with fraud detection tools, red flag identification, and investigation workflows
• Experience in high-volume underwriting environments with SLA expectations
• Proficiency with Excel/Sheets for income calculation and loan analysis
• Familiarity with compliance and regulatory requirements related to mortgage underwriting