Mortgage Government Underwriter III

The Mortgage Government Underwriter III is responsible for underwriting residential mortgage loans in compliance with company policies, investor guidelines, and all applicable regulatory requirements. This role underwrites a wide range of loan products, including Conventional, FHA, VA, USDA, Portfolio, and specialty programs, and plays a critical role in ensuring quality, accuracy, and sound credit decisions.

This position requires strong technical expertise, independent judgment, and the ability to underwrite complex loans efficiently in a high‑volume, fast‑paced environment. You will partner closely with Loan Originators, Processors, and Sales leadership to complete thorough reviews and secure required documentation in support of timely loan decisions.

• Underwrite Conventional, FHA, VA, USDA, Portfolio, and Special Program loans for accuracy, completeness, and regulatory compliance
• Review and evaluate borrower profiles, including income, assets, credit, tax returns, fraud reports, and collateral documentation
• Analyze and calculate complex personal and business income, including self‑employed and multi‑source income scenarios
• Utilize automated underwriting systems (DU/LPA) and risk assessment tools to support loan decisioning
• Rework loan terms, identify additional conditions, and ensure each file supports a clear, defensible credit decision
• Maintain strong knowledge of secondary market guidelines, investor requirements, and government lending regulations
• Meet established service‑level decision timelines with minimal supervision
• Communicate clearly with Originators, Processors, Sales Managers, and leadership regarding file status and loan decisions
• Assist with complex or escalated loan files and collaborate with peer underwriters as needed
• Provide coverage for other underwriters’ pipelines, including condition review and PTO coverage
• Support quality control efforts, repurchase reviews, and rebuttal responses as required

• 5–7 years of recent government underwriting experience required
• Active DE, SAR, or LAPP government designation required
• Experience underwriting a variety of loan products, including FHA, VA, USDA, Conventional, Bond, Jumbo, Non‑QM, and Construction
• Encompass experience required
• Strong ability to analyze complex individual and business financials, including tax returns, P&Ls, and cash flow
• Deep knowledge of secondary market guidelines for Fannie Mae, Freddie Mac, and government programs
• Ability to structure loans appropriately to ensure salability and compliance
• Demonstrated accountability for underwriting decisions and sound risk assessment
• Strong organizational, time management, and multi‑tasking skills
• Clear written and verbal communication skills with the ability to explain loan decisions to multiple stakeholders
• Detail‑oriented, self‑directed, and collaborative work style

• Must be able to pass a criminal background & credit check
• This is a full-time, remote position

FLSA Status: Non-Exempt

Ready to take your career to the next level? Apply now and become a vital part of our team!

We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state, or local protected class.

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.