Mortgage Underwriter

GNB Mortgage, a division of Great North Bank (GNB); Fredericksburg (VA); Hybrid; USD 90,000 - 125,000; Full time

Benefits offered by this job

401(k) matching

Flexible spending account

Health insurance

Health savings account

Life insurance

On-site gym

Paid time off

Vision insurance

Volunteer time off

Job summary

GNB Mortgage, a division of Great North Bank, seeks an experienced Mortgage Underwriter to handle a broad mix of Conventional, Jumbo, FHA, VA, USDA, VHDA, and Non-QM products. You will review income, assets, credit, and collateral, issue approvals and conditions, and collaborate with the Sales team to structure loans while staying compliant with investor, agency, and regulatory guidelines.

Hybrid remote options may be available based on experience and location.

Qualifications

• Minimum 5+ years mortgage underwriting experience.
• Active FHA DE certification.
• Experience underwriting Jumbo loans.
• Strong knowledge of Conventional, FHA, VA, USDA, and VHDA guidelines.
• Experience evaluating complex income scenarios, self-employed borrowers, multiple properties, and layered risk files.
• Excellent decision-making, communication, and analytical skills.
• Ability to work independently while contributing to a collaborative team environment.

Responsibilities

• Underwrite residential mortgage loans in compliance with investor, agency, regulatory, and company guidelines.
• Review income, assets, credit, collateral, and overall loan risk to make sound lending decisions.
• Issue accurate approvals, conditions, suspensions, and denials.
• Collaborate closely with Sales team to structure loans and resolve underwriting challenges.
• Maintain productivity and quality standards while delivering outstanding customer service.
• Stay current on agency, investor, regulatory, and underwriting guideline updates.

Skills

Mortgage underwriting

FHA DE certification

VA LAPP/SAR

USDA underwriting

Income analysis

Self-employed income

Complex income scenarios

Tools

Encompass

Job description

Are you an experienced Mortgage Underwriter who thrives on solving complex lending scenarios and helping borrowers achieve homeownership? Do you enjoy working across a diverse product mix rather than underwriting the same loans every day? If so, we want to meet you.

GNB Mortgage is looking for an experienced, solutions-focused Mortgage Underwriter with active VA LAPP/SAR and FHA DE certifications to join our high-performing team. If you enjoy tackling complex lending scenarios and working across a broad mix of Conventional, Jumbo, FHA, VA, USDA, VHDA, and Non-QM products, this is the opportunity for you.

What You'll Do

• Underwrite residential mortgage loans in compliance with investor, agency, regulatory, and company guidelines.
• Review income, assets, credit, collateral, and overall loan risk to make sound lending decisions.

Apply expertise across:

• Conventional
• Jumbo
• FHA
• VA (LAPP/SAR)
• USDA
• VHDA
• Non-QM products
• Issue accurate approvals, conditions, suspensions, and denials.
• Collaborate closely with Sales team to structure loans and resolve underwriting challenges.
• Maintain productivity and quality standards while delivering outstanding customer service.
• Stay current on agency, investor, regulatory, and underwriting guideline updates.

Required Qualifications

• Minimum 5+ years of mortgage underwriting experience.
• Active FHA DE certification.
• Experience underwriting Jumbo loans.
• Strong knowledge of Conventional, FHA, VA, USDA, and VHDA guidelines.
• Experience evaluating complex income scenarios, self-employed borrowers, multiple properties, and layered risk files.
• Excellent decision-making, communication, and analytical skills.
• Ability to work independently while contributing to a collaborative team environment.

Preferred Qualifications

• Experience underwriting Non-QM products.
• Experience working with Encompass or similar LOS platforms.
• Strong understanding of FNMA, FHLMC, government, and investor-specific underwriting requirements.

Why Join GNB Mortgage?

Diverse product offerings that keep your work interesting and challenging

Collaborative culture where your expertise is valued

Opportunity to influence decisions and make a direct impact

Competitive compensation and benefits

Stable organization focused on growth and operational excellence

Hybrid and remote opportunities may be available based on experience and location

Equal Opportunity Employer

Pay: $90,000.00 - $125,000.00 per year

• 401(k) matching
• Flexible spending account
• Health insurance
• Health savings account
• Life insurance
• On-site gym
• Paid time off
• Vision insurance
• Volunteer time off

Work Location: Hybrid remote in Reston, VA 20191