Government Underwriter

Role Description

The Government Underwriter is responsible for analyzing, evaluating, and approving FHA, VA, USDA, and Conventional mortgage loan applications while ensuring compliance with agency, investor, and company guidelines.

• Analyze FHA, VA, USDA, and Conventional mortgage loan applications to determine creditworthiness and eligibility.
• Review loan-to-value (LTV), debt-to-income (DTI), credit reports, income documentation, assets, employment history, and supporting documentation.
• Calculate borrower income and evaluate repayment capacity.
• Review DU, LPA, and agency underwriting findings.
• Structure loans that meet agency, investor, and company guidelines.
• Identify potential credit risks and make sound underwriting decisions.
• Issue loan approvals, suspensions, and denials with clear underwriting conditions.

Qualifications

• Minimum of 5+ years of Government Mortgage Underwriting experience.
• Strong knowledge of FHA, VA, USDA, and Conventional underwriting guidelines.
• Excellent analytical and credit risk assessment skills.
• Strong decision-making and problem-solving abilities.
• High attention to detail and commitment to quality.
• Excellent verbal and written communication skills.
• Strong organizational and time management skills.
• Ability to manage multiple priorities in a fast-paced environment.
• Passion for mentoring others and growing into a leadership role.
• Positive attitude with a collaborative, team-first mindset.

Requirements

• DE (Direct Endorsement) Certification preferred.
• VA SAR/LAPP authority preferred.
• Experience underwriting FHA, VA, USDA, and Conventional loans.
• Experience using Encompass Loan Origination System.
• Prior experience mentoring or training teammates.
• Experience working in a high-volume production underwriting environment.
• Knowledge of investor overlays and Quality Control processes.
• Leadership experience or demonstrated leadership potential strongly preferred.

Benefits

• Competitive base pay- $42.00-$54.00/hr
• Performance-based incentive opportunities
• Leadership development and internal promotion opportunities
• Comprehensive Medical, Dental & Vision Coverage
• 401(k) Program with company match
• Paid Time Off & Company Holidays
• Professional Development & Continuing Education
• Career Growth within Mortgage Operations and Underwriting Leadership
• Collaborative, innovative, and high-performing team environment