Mortgage Underwriter

Directions Home Loan; Town of Texas (WI); On-site; USD 75,000 - 95,000; Full time

Job summary

Directions Home Loan is seeking a detail-obsessed underwriter to serve as the final checkpoint between loan processors, borrowers, and closing. You will analyze employment, credit, assets, and property information to render sound, approved loans.

Responsibilities include underwriting Conventional, FHA, USDA, and VA loans per guidelines, training new underwriters, and ensuring timely closings. DE/VA credentials preferred, experienced with mortgage software.

Qualifications

• Bachelor’s degree in business, banking, or finance required.
• 2–5 years of underwriting experience in mortgage industry.
• Proficiency with conventional, FHA and VA loans; CHFA, USDA and 203k a plus.
• Understanding of underwriting requirements, agency guidelines, and automated processing systems.
• Experience with mortgage software such as Calyx Point, Encompass, Data Track or Empower.
• DE, CHUMS, VA/SAR credentials are preferred.

Responsibilities

• Underwrite Conventional, FHA, USDA and VA residential loans to agency guidelines.
• Analyze employment, credit, assets, and other documentation.
• Review property characteristics and other credit- and property-related information.
• Respond to product questions and scenarios with suitable answers.
• Ensure compliance with underwriter standards and timelines.
• Assist in training new underwriters.
• Explain credit decisions and offer alternatives to internal/external stakeholders.
• Meet investor and agency guidelines for loan quality and turn times.
• Underwrite Non-QM and non-agency programs per overlays.
• Resolve conditions to support on-time closing and funding.

Skills

Underwriting

Attention to detail

Risk assessment

Communication

Education

Bachelor’s Degree in business, banking, or finance

Tools

Calyx Point

Encompass

Data Track

Empower

Job description

Behind every homeowner's \"we got the house!\" moment, there's an Underwriter who made the call. We're looking for a detail-obsessed, decision-driven professional to be the final checkpoint between our Loan Processors, borrowers, and closing — turning documented files into sound, approved loans.

If you love digging into the details, weighing risk with confidence, and being the person everyone trusts to get it right, this is your seat at the table

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Underwrite Conventional, FHA, USDA and VA residential loans ensuring they comply with FNMA, FHLMC, Investor and Government agency guidelines
• Analyze employment profile, credit worthiness, asset documentation and other pertinent information
• Analyze property characteristics and all other information pertinent to credit and property decision
• Respond to product questions and scenarios with suitable answers
• Ensure compliance with underwriter standards
• Assist in training new underwriters
• Provide prompt and quality customer service both internally and externally by explaining credit decisions and offering alternative options when necessary
• Maintains quality, and production standards
• Adheres to set turnaround times for reviewing new submissions as well as resubmissions
• Exercise delegated underwriting authority (DE, SAR, VA/LAPP) to render final credit decisions within investor and agency guidelines
• Underwrite Non-QM and non-agency loan programs in accordance with investor overlays and program guidelines
• Review and clear conditions in a timely manner to support on-time closing and funding on the company’s warehouse lines
• Partner with Secondary Marketing and Post Closing to ensure loans are underwritten to meet investor purchase requirements and support timely loan sale and delivery
• Stay current on changes to Agency, FHA/VA/USDA, and investor guidelines, and communicate updates to processing and origination staff
• Identify and elevate potential fraud, misrepresentation, or compliance concerns in accordance with company policy
• Other duties as assigned

EDUCATION AND/OR EXPERIENCE

• Bachelor’s Degree in business, banking, or finance
• 2-5 years of recent underwriting experience in the mortgage industry.
• Proficiency in conventional, FHA and VA loans; experience with CHFA, USDA and 203k is a plus
• Basic understanding of underwriting requirements, governmental and agency requirements, terminology, and automated processing systems
• Computer proficiency, particularly with Microsoft Office Suite
• Experience with mortgage software, such as Calyx Point, Encompass, Data Track or Empower
• DE, CHUMS, VA/SAR
• Experience with an independent mortgage banker or non-depository lender, preferred

Why You’ll Love It Here

You’re not just reviewing files — you’re the reason families get keys to their new homes. Join a team that values accuracy, sound judgment, and the people who keep the whole loan process running smoothly. At Directions Home Loan, we are a family helping families! #morethanmortgage