Senior Mortgage Loan Underwriter

Job Description

Job Description

New Hampshire Housing’s mission is to promote, finance, and support housing solutions for the people of New Hampshire. We have empowered over 55,000 families to achieve their dream of homeownership and have played a pivotal role in funding the development of over 16,000 multifamily housing units. Our dedicated team manages thousands of Housing Choice Vouchers annually.

We’re on a mission, and we want your expertise!

Do you enjoy underwriting mortgages and helping families achieve homeownership in New Hampshire? Are you interested in bringing your expertise to a mission-driven organization that makes a real impact? If so, we’d love to meet you.

We’re hiring a full-time Senior Mortgage Loan Underwriter for our Homeownership Division.

As the Senior Mortgage Loan Underwriter, you will play a key part in advancing our mission by making thoughtful, responsible lending decisions that open doors for New Hampshire residents. In this role, you will:

• Own the underwriting process end-to-end for residential loan applications, thoughtfully evaluating income, assets, credit, and employment to make informed, responsible lending decisions.
• Make confident credit decisions aligned with NH Housing and agency guidelines, delivering timely approvals and clear, well-supported denials.
• Partner closely with processors and loan officers to keep files moving, communicating proactively to gather information, resolve questions, and maintain momentum.
• Act as a trusted advisor to participating originators, offering creative, practical solutions and guidance to structure loans that work for both borrowers and program requirements.
• Build strong relationships with external partners, serving as a go-to resource for issue resolution while collaborating across teams to support lenders and originators effectively.

To support onboarding and training, the initial weeks of employment will be conducted in-office. Following this period, remote work may be available on an intermittent basis, as determined by the manager.

Your experience, skills, and education should include:

• At least five years relevant work experience (in residential lending, reviewing credit documentation and underwriting to agency and investor guidelines) or an equivalent combination of education and experience.
• Demonstrated knowledge of all eligibility and underwriting requirements (law, regulations, policies, and guidelines) set by the agencies.
• Underwriting experience required.
• FHA Direct Endorsement designation required. VA SAR designation highly preferred, knowledge of VA guidelines required.
• Experience with Encompass preferred.
• Strong knowledge of Microsoft Office Suite.
• Ability to read, write and speak English at a proficient level.

You’ll love us because:

• We prioritize our employees and invest in policies, benefits, and a workplace culture that supports their success.
• You’ll join a collaborative, highly engaged team that values diverse perspectives.
• We are a recognized leader in the affordable housing industry and take pride in the quality and impact of our work.

New Hampshire Housing is proud to offer:

• Competitive salary
• Multiple high-quality health insurance options
• Vision plan
• Employer-paid dental plan
• Employer-paid disability insurance
• Employer-paid life insurance
• Undergrad and Graduate tuition reimbursement
• Student loan repayment assistance
• Two retirement plans with employer contributions to both
• Flexible work schedules with remote/hybrid work options
• Generous and flexible PTO plan
• Paid volunteer time
• Paid parental leave
• Fitness rewards and reimbursement programs
• And so much more!

As an Equal Opportunity Employer, New Hampshire Housing is committed to building a workforce that is as diverse as the people we serve.

Starting Pay: $65,500 - $82,000, dependent on relevant experience

Apply now and become a key player in our mission to provide affordable housing solutions in New Hampshire.

Interested in this position but not sure you check every box? Don't let doubts hold you back! We value diverse perspectives and unique strengths. If you're interested in this role and motivated to contribute, we welcome your application. Your passion and potential might align perfectly with what we're seeking.