Senior Mortgage Underwriter

Friday Harbor is a Seattle-based tech company that builds AI-native pre-underwriting for mortgage lenders. Our product moves underwriting intelligence upstream to the application stage, identifying issues in a loan file early in origination, driving measurable pull-through gains for our lender customers. Friday Harbor helps originators cleaner loan files to underwriters, resulting in faster clear-to-close timelines and fewer underwriting touches per file. We're a Fannie Mae approved technology service provider for the income calculator, and we received Brody Gapp LLP's first AI governance attestation letter. We work with over 40 lenders, including 3 of the top IMBs in the country, spanning depositories, credit unions, and independent mortgage banks. We're a fast-growing, VC-backed AI company that was born out of the Allen Institute for AI Incubator in Seattle. Role Description The Senior Mortgage Underwriter is a full-time, hybrid role responsible for evaluating complex residential mortgage applications using both traditional underwriting practices and AI-enabled tools. In this position, the individual reviews credit, income, assets, collateral, and supporting documentation to ensure adherence to investor, regulatory, and internal guidelines. We're hiring a full-time underwriter to work alongside engineering. You'll be the underwriting subject matter expert inside the company, not at a lender. The role involves reviewing the Friday Harbor system's findings for income, credit, assets, collateral, reviewing conditions, and collaborating with loan officers, processors, and product teams to resolve issues and improve workflows. The Senior Mortgage Underwriter will provide guidance on risk assessment, support the refinement of underwriting rules within the platform, and help optimize processes to increase speed and accuracy in loan approvals. You will: Pinpoint areas where our system can better reflect real underwriting judgment Serve as the underwriting subject matter expert for our engineering team, full time Write and maintain evals that test our models against real underwriting judgment Help onboard new team members on underwriting fundamentals Support customer-facing triage on underwriting questions and edge cases Qualifications DE, LAPP, and SAR designations strongly preferred Strong expertise in the Mortgage Industry and Mortgages, including current guidelines, products, and regulatory requirements. 5+ years experience underwriting conventional, government, and non-agency loans Advanced skills in Mortgage Underwriting and Underwriting, with a proven track record in complex residential loan decisions. Strong customer service instincts, this role involves some interactions with customers, not just internal teams Ability work collaboratively within a small team Willingness to get hands-on with evals, documentation, and process, not just file reviews Several years of experience as a senior or lead mortgage underwriter Clear written and verbal communication skills for collaborating with cross-functional teams and explaining credit decisions. Familiarity with AUS platforms (e.g., DU, LP) and loan origination systems (Ellie Mae / Encompass especially); experience with AI or data-driven tools is a plus. Relevant professional certifications or training in mortgage underwriting or finance are beneficial; associate or bachelor’s degree in a related field is preferred. Compensation and benefits Equity in a fast-growing, VC-backed AI company Dental and vision coverage 401(k) Relocation assistance for candidates moving to Seattle Location This role requires being on-site in our Seattle headquarterse 3 days per week. We will provide relocation assistance for strong candidates. #J-18808-Ljbffr