Underwriter

Mortgage UnderwriterLoanPeople is seeking an experienced Mortgage Underwriter to review and decision a variety of loan types, including conventional, non-conforming, FHA, VA, and USDA loans. The ideal candidate will be detail-oriented, solutions-driven, and committed to ensuring compliance with agency, investor, and internal guidelines. You'll work closely with loan officers and processors to support efficient, accurate, and timely underwriting decisions across our lending channels.Key Responsibilities:Underwrite a minimum of three new loan submissions per day, plus resubmissions, meeting internal quality and compliance standardsAnalyze and calculate income (including self-employment income) per agency/investor guidelinesUnderwrite Conventional, FHA, VA, and USDA loans.Review and decision loans based on credit, income, asset, and collateral analysisRecommend alternative loan structuring options for challenging scenariosEvaluate appraisals and collateral using tools such as Collateral Underwriter and Loan Collateral AdvisorRespond to investor and auditor inquiries or conditions in a timely mannerEnsure accurate and complete data input into LOS and AUS (1008, LT, LA, AUS, funding conditions)Stay informed on investor, agency, and internal underwriting updates and guidelinesCommunicate underwriting decisions clearly to processing and sales teamsContribute to a positive, collaborative team environmentQualifications:5+ years of mortgage underwriting experience with FNMA, FHLMC, and investor guidelinesProficient with AUS and manual underwriting (DU, LP, GUS)Direct experience underwriting Conventional, FHA, VA, and USDA. Experience underwriting non-conforming/jumbo loans a plus.Comprehensive knowledge of Non-QM and Jumbo loan products, including guidelines, structuring, and eligibility requirements.CHUMS ID (active for the past 3 years; held for at least 5 years)SAR designation (active for the past 3 years; held for at least 5 years)Sign-off authority up to conforming loan limits for 1-unit propertiesComfortable working with investor-specific guidelines (e.g., Amerihome, Chase, Wells Fargo, PennyMac)Familiar with AllRegs, Microsoft Office, Loan Origination SystemsStrong knowledge of: Agency loan guidelines (FHA, VA, USDA, Conventional)Credit and income analysis, including self-employed borrower incomeTexas-specific loan types, including Texas A6 and A4 F(2) refinancesReal estate collateral valuation and risk assessmentExceptional attention to detail and time managementStrong written and verbal communication skillsProfessional, collaborative, and service-oriented demeanorAbility to work independently and manage multiple files under deadline