Mortgage Lending Underwriter

NW Recruiting Partners; Washington (District of Columbia); On-site; USD 85,000 - 90,000; Full time

Job summary

Join a leading private real estate lender as a Mortgage Lending Underwriter, where you will leverage your extensive experience to review complex mortgage applications and assess borrower risk. This role is pivotal in ensuring compliance with regulations and internal policies, while also collaborating with loan officers and processors to facilitate efficient loan processing. If you thrive in a detail-oriented environment and are passionate about making sound underwriting decisions, this opportunity offers a dynamic and rewarding career path in a growing organization that values your expertise.

Benefits

Medical Insurance

Dental Insurance

Vision Insurance

Annual Bonus

Employee Stock Options

401k with 3% Match

Qualifications

• 8+ years of experience in mortgage underwriting including various loan types.
• Strong knowledge of underwriting principles and industry regulations.

Responsibilities

• Review and analyze mortgage applications and financial documents.
• Ensure compliance with internal policies and federal regulations.

Skills

Mortgage Underwriting

Risk Assessment

Analytical Skills

Communication Skills

Problem-Solving Skills

Education

Bachelor’s degree in Finance or related field

Tools

Encompass

DU

LP systems

Job description

2 days ago Be among the first 25 applicants

Direct message the job poster from NW Recruiting Partners

Our client, a leading private real estate lender with a strong team and over $350 million in capital, is seeking a Mortgage Lending Underwriter to join their growing organization. The company specializes in financing for builders and developers, with additional divisions focused on mortgage brokerage and real estate development.

As a Mortgage Lending Underwriter, you will be responsible for reviewing complex mortgage applications submitted by both internal and external channels. This role requires a high level of analytical expertise, attention to detail, and a solid understanding of credit risk and lending guidelines to make sound underwriting decisions.

• Review and analyze mortgage applications, financial documents, and credit reports.
• Assess borrower risk and make informed underwriting decisions.
• Ensure compliance with internal policies, investor guidelines, and federal regulations.
• Communicate decisions clearly to loan officers, processors, and other stakeholders.
• Review appraisals and property documentation for accuracy and adherence to lending standards.
• Recommend approval, denial, or restructuring based on risk analysis.
• Stay informed on industry updates, underwriting trends, and regulatory changes.
• Identify appropriate “take out” loan programs for applicable files.
• Collaborate with internal teams to support efficient loan processing.

Mortgage Lending Underwriter Qualifications:

• At least 8 years of experience in mortgage underwriting (including conventional, non-QM, and construction loans)
• Bachelor’s degree or equivalent experience in finance or related field
• Strong knowledge of underwriting principles, risk assessment, and industry regulations
• Proficient in Encompass, DU, and LP systems
• Excellent analytical, communication, and problem-solving skills
• Detail-oriented with the ability to meet deadlines under pressure

Company Benefits:

• Medical, Dental, and Vision Insurance
• Annual bonus
• Employee stock options
• 401k with a 3% match

Compensation: $85-90K + 5% bonus

Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Finance

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Inferred from the description for this job

Medical insurance

Vision insurance

Disability insurance

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