Government Underwriter

Onsite – Coppell, TX (This position requires 3 days onsite, 2 days work from home) Shift: Monday - Friday 8:00AM - 5:00PM Pay Rate: $85-95k/year Contract: 6-month Contract to Hire (high potential for full-time conversion) Job Summary: The Government Underwriter (DE/SAR) is responsible for evaluating and processing borrower workout options, including repayment plans, loan modifications, short sales, and deeds-in-lieu. This role involves working directly with borrowers to help them retain or transition from their homes, while ensuring compliance with investor, state, and federal guidelines. The underwriter plays a key role in supporting timely and effective resolution of delinquent mortgage accounts.. Key Responsibilities Analyze FHA loans for eligibility under repayment plans, modifications, short sales, and deeds-in-lieu based on investor and regulatory guidelines (e.g., HAMP). Review borrower loss mitigation packages, identify deficiencies, and issue notices requesting additional documentation. Generate approval and adverse action notices in accordance with applicable laws and investor requirements. Ensure compliance with Fair Lending practices when referring borrowers for refinance options. Coordinate with Mortgage Specialists to gather required documentation and facilitate timely closings. Stay current on industry programs and investor requirements, including GSE and insurer guidelines. Maintain accurate records in internal systems and workflows, including investor approval tracking. Complete escrow analyses and pro forma calculations for loan modifications. Meet monthly workout-to-portfolio ratio goals. Qualifications 4+ years of underwriting experience (Required) Excellent attention to detail and accuracy in documentation Ability to manage multiple tasks and meet strict deadlines Strong verbal and written communication skills Ability to work effectively in a collaborative team environment Strong customer service orientation and professionalism Sound judgment and decision-making skills Proficiency in Microsoft Office and loan servicing systems is a plus #J-18808-Ljbffr Calculated Hire