Mortgage Government Underwriter III

OverviewThe Mortgage Government Underwriter III is responsible for underwriting residential mortgage loans in compliance with company policies, investor guidelines, and all applicable regulatory requirements. This role underwrites a wide range of loan products, including Conventional, FHA, VA, USDA, Portfolio, and specialty programs, and plays a critical role in ensuring quality, accuracy, and sound credit decisions. This position requires strong technical expertise, independent judgment, and the ability to underwrite complex loans efficiently in a high-volume, fast-paced environment. You will partner closely with Loan Originators, Processors, and Sales leadership to complete thorough reviews and secure required documentation in support of timely loan decisions. While this position is remote, employment is limited to candidates who currently reside in Alabama, Florida, Georgia, North Carolina, South Carolina, or Tennessee.What You'll DoUnderwrite Conventional, FHA, VA, USDA, Portfolio, and Special Program loans for accuracy, completeness, and regulatory complianceReview and evaluate borrower profiles, including income, assets, credit, tax returns, fraud reports, and collateral documentationAnalyze and calculate complex personal and business income, including self-employed and multi-source income scenariosUtilize automated underwriting systems (DU/LPA) and risk assessment tools to support loan decisioningRework loan terms, identify additional conditions, and ensure each file supports a clear, defensible credit decisionMaintain strong knowledge of secondary market guidelines, investor requirements, and government lending regulationsMeet established service-level decision timelines with minimal supervisionCommunicate clearly with Originators, Processors, Sales Managers, and leadership regarding file status and loan decisionsAssist with complex or escalated loan files and collaborate with peer underwriters as neededProvide coverage for other underwriters' pipelines, including condition review and PTO coverageSupport quality control efforts, repurchase reviews, and rebuttal responses as requiredRequirements For Success5–7 years of recent government underwriting experience requiredActive DE, SAR, or LAPP government designation requiredExperience underwriting a variety of loan products, including FHA, VA, USDA, Conventional, Bond, Jumbo, Non-QM, and ConstructionEncompass experience requiredStrong ability to analyze complex individual and business financials, including tax returns, P&Ls, and cash flowDeep knowledge of secondary market guidelines for Fannie Mae, Freddie Mac, and government programsAbility to structure loans appropriately to ensure salability and complianceDemonstrated accountability for underwriting decisions and sound risk assessmentStrong organizational, time management, and multi-tasking skillsClear written and verbal communication skills with the ability to explain loan decisions to multiple stakeholdersDetail-oriented, self-directed, and collaborative work styleConditions of EmploymentMust be able to pass a criminal background & credit checkThis is a full-time, remote positionFLSA Status: Non-ExemptReady to take your career to the next level? Apply now and become a vital part of our team!We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity and/or expression, status as a veteran, and basis of disability or any other federal, state, or local protected class.Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.Pay RangeUSD $60,466.00 - USD $93,119.00 /Yr.J-18808-Ljbffr