Mortgage Underwriter

Title Real Estate Lending – Specialist / Mortgage Underwriter Start Date 8/17 & 9/13 Shift (Time) 8:00am – 4:30pm (In your respective time zone) Contract Type Open‑ended contract (not contract‑perm) Hybrid Requirement Hybrid applies only to candidates within a 60‑mile commutable distance to a training facility located in Vienna, VA; Winchester, VA; Pensacola, FL; or Coppell, TX. Ongoing Training No time off during the training period. Position Summary The client seeks a detail‑oriented Equity Underwriter to evaluate and underwrite home equity loan and line of credit applications while ensuring compliance with lending policies, regulatory requirements, and risk management standards. The Underwriter will make sound credit decisions, assess borrower risk, review financial documentation, and provide exceptional service throughout the lending process. Key Responsibilities Review, analyze, and underwrite HEL and HELOC applications per company guidelines and regulatory requirements. Evaluate borrower creditworthiness through analysis of credit reports, income documents, employment verification, assets, liabilities, and property information. Assess key risk metrics such as LTV, CLTV, DTI, and others. Make independent lending decisions within delegated authority and recommend exceptions when appropriate. Ensure compliance with federal and state regulations, including Fair Lending, RESPA, TILA, ECOA, and HMDA. Review appraisals, title reports, and collateral documentation to determine property eligibility. Communicate underwriting decisions, conditions, and requirements clearly to loan processors, loan officers, and stakeholders. Identify and mitigate potential credit, operational, and fraud risks. Maintain quality, productivity, and service‑level standards while managing a high‑volume pipeline. Participate in audits, quality assurance reviews, and compliance examinations as required. Collaborate with cross‑functional teams to improve processes and enhance member experience. Stay informed of industry trends, regulatory changes, and best practices in mortgage and home equity lending. Required Qualifications Bachelor’s degree in Finance, Business Administration, Economics, or related field; or equivalent education and experience. 1+ years residential or home equity underwriting experience. Strong knowledge of consumer lending principles and credit risk assessment. Experience analyzing tax returns, W‑2s, pay stubs, bank statements, and self‑employed borrower documentation. Working knowledge of AUS systems and mortgage underwriting guidelines. Understanding of Fannie Mae, Freddie Mac, FHA, VA, and portfolio lending concepts. Knowledge of federal and state lending regulations. Strong analytical, problem‑solving, and decision‑making skills. Excellent verbal and written communication skills. Ability to manage multiple priorities in a fast‑paced environment. Proficiency with loan origination systems and Microsoft Office. Preferred Qualifications Additional experience underwriting HELOC and HEL products within a financial institution or credit union. Professional certifications such as DE, SAR, VA LAPP, or other relevant underwriting credentials. Familiarity with automated valuation models and collateral risk assessment. Experience working in a highly regulated financial services environment. Core Competencies Credit Analysis Risk Assessment Attention to Detail Regulatory Compliance Member Focus Collaboration Decision Quality Problem Solving Accountability Communication Excellence Success Measures Consistently make accurate and sound credit decisions. Maintain productivity and quality standards. Demonstrate strong risk management practices. Deliver an exceptional member experience. Support organizational goals through efficient and compliant underwriting activities. Benefits and Compensation Pay Range: $22.02 – $39.93/hr. Medical, dental & vision Critical Illness, Accident, and Hospital 401(k) Retirement Plan – Pre‑tax and Roth post‑tax contributions available Life Insurance (Voluntary Life & AD&D for employee and dependents) Short and long‑term disability Health Spending Account (HSA) Transportation benefits Employee Assistance Program Time Off/Leave (PTO, vacation, or sick leave) Location and Work Arrangement Contract to Hire position based out of Coppell, TX. Hybrid or remote depending on location. Equal Opportunity Employer Statement The company is an equal opportunity employer and will consider all applications without regard to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law. #J-18808-Ljbffr TEKsystems