Wholesale Mortgage Underwriter - Drive Approvals & Impact

At Evergreen Home Loans®, we believe homeownership changes lives and we’re passionate about helping people achieve it while creating a “WOW” experience along the way. Our mission is simple: deliver On Time and As Promised® service while changing the world one relationship at a time. We’re looking for talented, customer-focused professionals who care as deeply about people, teamwork, and service excellence as we do. Evergreen has been recognized as one of the Puget Sound Business Journal’s Best Places to Work multiple years running and has earned national recognition as a certified Great Place to Work®. Most recently, Evergreen was named one of the 2025 Fortune Best Workplaces in Financial Services & Insurance™. Evergreen has also earned recognition from Top Workplaces, most recently receiving the 2026 Industry Award for Financial Services, along with multiple Culture Excellence Awards recognizing our commitment to associate well-being, leadership, professional development, and workplace culture. At Evergreen, our culture is built on integrity, family, growth, and fun. We believe that when associates feel supported, empowered, and inspired, they deliver extraordinary experiences for customers and business partners alike. When you join Evergreen, you become part of a collaborative, people-first organization that values creative thinking, professional growth, and meaningful relationships. We invest in our associates through leadership development, coaching, community involvement, and opportunities to grow your career while making a real impact. A supportive and relationship-driven culture Competitive compensation and comprehensive benefits 401(k) with company match Professional development and career growth opportunities A company committed to giving back to the communities we serve Discover what’s possible with Evergreen. This position underwrites mortgage loan applications evaluating loans to determine credit risk, minimizes risk and loss, as well as ensuring eligibility for sale to the secondary market. This role reviews property appraisal to determine acceptability of collateral. Essential Duties and Responsibilities: Process FHA, VA, USDA, Conventional and other loan programs for assigned Loan Officer(s) within standard timeframes outlined in the company’s Processing Service Level Agreement. Obtain all required documentation, such as appraisal, title, escrow, verification of employment/income, asset verification, credit, insurance binders, etc. Assist in gathering loan conditions assigned by the Underwriter that will satisfy the condition. Prompt issuance of condition letters or needs lists to loan officers and/or borrowers. Communicate with borrower(s) directly on behalf of the Loan Officer via preferred contact method (IE email, phone, POS System etc.) as needed, to obtain Prior to Approval, Prior to Doc, Prior to Funding and Post Closing conditions as applicable. Communicate outstanding items to Loan Officers in a timely manner and assist Loan Officers and/or Borrower(s) with understanding of the loan requirements throughout the loan process. Assist with daily problem-solving and trouble‑shooting. Schedule and maintain weekly pipeline review meetings with assigned Loan Officers and adhere to the Processor Driven Pipeline Management Policy. Proactively communicate and set expectations about what the process will or may potentially involve, including turnaround times for receipt of documents and impact of delays if applicable. Effectively manage assigned loan pipeline and actively work these loan through the process to closing. Order all required documentation, such as appraisal, title, escrow, verification of employment/income, asset verification, credit, insurance binders, etc. Follow up to ensure loan will close within allowed timeframes. Maintain and apply up to date technical knowledge of software, programs and interfaces. Stay up to date on loan guideline and program changes including but not limited to innovative products, new programs and investor overlays. Issue needs list to Loan Officers and/or clients in a timely manner and assist our Loan Officers and customers with understanding of the loan requirements to guide the loan to closing. Assess income, credit and asset documents against guidelines to ensure feasible submissions to underwriting; effectively articulate calculations and any impact/concerns. Communicate all changes in file status to underwriter. Manage customers’ expectations for internal processing timelines and provide frequent status updates. Anticipate potential issues or delays and partner with internal colleagues (as necessary) to ensure the loan moves forward for a successful transaction. Proactively identify and resolve issues related to the loan; appropriately escalate issues as needed while maintaining personal accountability for issue resolution and customer satisfaction. Submit files for loan closing documents within timeframes. Provide back-up processing as necessary. Complete 12 hours of annual training per year as outlined per company policy. Other duties as assigned. Performance Expectations: Perform all actions in accordance with the Mission, Vision, and convictions of EHL. Provide a “WOW” experience and effectively communicate with associates, clients, partners, and vendors via phone, written communication and/or in person. Seek Feedback: Host regular and timely communication with associates and Manager. Be willing to assume additional responsibilities/duties/projects as they arise. Have strong organization skills, the ability to learn quickly, and accuracy/timeliness in completing tasks. Perform all actions in accordance with policies and procedures of the company. Expected to meet productivity guidelines of the position. Effectively use software specific for the position and Microsoft office products. Work well with other members of the EHL team and be willing to fill in when needed. Specific Skills/ Knowledge/ Abilities Required for Position: High school graduate or equivalent. Proven work experience of 2 or more years in mortgage processing. 2-3 years Wholesale lending experience, preferred Exercise good judgment and strong character, motivated, hard working. Ability to work well with fellow associates, clients and vendors. Ability to perform all tasks from start to finish and ensure loans eligible for purchase by our investors. Attention to detail and minimal error/default ratio. Good communication skills. Neat, clean, healthy work habits. Physical Requirements: Requires all forms of dexterity and mobility throughout the shift, which may include extended periods of sitting and/or standing. Occasionally required to reach with hands and arms, twist, climb or balance, stoop, kneel crouch or crawl. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral, depth perception and the ability to adjust focus. Must be able to speak and hear, lift and carry up to twenty‑five pounds (25 lbs.) or occasionally more. Ability to work in a fast‑paced, occasionally noisy environment. May be required to drive for business purposes and if so, must hold a driver’s license in good standing and maintain personal auto insurance in compliance with EHL’s Auto Insurance policy. Compensation: The base hourly range rate for this position is $24.85 - $48.22 per hour, depending on a number of factors including location and experience. If applicable, associate may be eligible for per‑file incentives, commissions, bonuses or other variable earnings as determined upon hire. Benefits and Perks: Eligible associates (and their families) have the option to enroll in medical, dental, and/or vision coverage of which both the associate and the company contribute towards expenses. Basic Life/AD&D insurance for eligible associates as well as a Short‑term Disability benefit are provided by Evergreen. Additional Voluntary Life/AD&D, Long‑term Disability benefits and Legal/ID protection plans paid for by the associate are also available. Associates are automatically enrolled in Evergreen’s 401(k) plan. Personal Time Off (PTO) of up to 13.34 hours may be earned monthly and associates may enjoy 9 paid holidays each year. Paid voluntary day of work, company matching on charitable donations and mortgage loan benefit. Equal Opportunity Employer This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor. #J-18808-Ljbffr Evergreen-Home-Loans