Underwriter

Mortgage Underwriter

Headquartered in Austin, TX, LoanPeople, LLC was founded by mortgage industry veterans with a strong track record of success. We deliver award-winning in-house service from application to funding, powered by proprietary marketing tools, cutting-edge technology, and a flat organizational structure that fosters collaboration. People are at the heart of our company—we offer competitive salaries, health insurance, 401(k), flexible time off, and a casual, team-oriented work environment.

LoanPeople 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 standards
• Analyze and calculate income (including self-employment income) per agency/investor guidelines
• Underwrite Conventional, FHA, VA, and USDA loans.
• Review and decision loans based on credit, income, asset, and collateral analysis
• Recommend alternative loan structuring options for challenging scenarios
• Evaluate appraisals and collateral using tools such as Collateral Underwriter and Loan Collateral Advisor
• Respond to investor and auditor inquiries or conditions in a timely manner
• Ensure 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 guidelines
• Communicate underwriting decisions clearly to processing and sales teams
• Contribute to a positive, collaborative team environment

Qualifications:

• 5+ years of mortgage underwriting experience with FNMA, FHLMC, and investor guidelines
• Proficient 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 properties
• Comfortable working with investor-specific guidelines (e.g., Amerihome, Chase, Wells Fargo, PennyMac)
• Familiar with AllRegs, Microsoft Office, Loan Origination Systems
• Strong knowledge of:
  1. Agency loan guidelines (FHA, VA, USDA, Conventional)
  2. Credit and income analysis, including self-employed borrower income
  3. Texas-specific loan types, including Texas A6 and A4 F(2) refinances
  4. Real estate collateral valuation and risk assessment
• Exceptional attention to detail and time management
• Strong written and verbal communication skills
• Professional, collaborative, and service-oriented demeanor
• Ability to work independently and manage multiple files under deadline