Mortgage Underwriter

Davita Inc.; Winchester (VA); Hybrid; USD 80,000 - 100,000; Full time

Job summary

A leading company in the mortgage sector is seeking a Mortgage Underwriter for a hybrid position in Winchester, VA. In this role, you will evaluate and underwrite mortgage loans while ensuring compliance with federal and state regulations. Ideal candidates will have strong analytical skills and be able to work under minimal supervision.

Benefits

Medical benefits

Dental benefits

Vision benefits

401(k) plan

Paid time off (PTO)

Qualifications

• Experience in mortgage underwriting and loan analysis.
• Strong knowledge of federal and state regulations.
• Ability to work under minimal supervision.

Responsibilities

• Evaluate and underwrite mortgage loan types according to state and federal requirements.
• Analyze loan documentation to confirm loan eligibility.
• Approve mortgage loans and prepare adverse action notices.

Skills

Analytical skills

Judgment

Problem-solving

Attention to detail

Job description

Job Details:

Schedule: Monday - Friday, 8am - 4:30pm

Work Environment: Hybrid: Commuting on-site 2 days a week

Basic Purpose:

• Evaluate and underwrite all mortgage loan types according to specific state and federal requirements to limit risk exposure to the company's mortgage portfolio.
• Analyze required loan documentation and information presented in the mortgage loan request to make appropriate loan decisions based on credit risk, using established guidelines, secondary market investors, and applicable regulations.
• Work on assignments requiring judgment in resolving issues or making recommendations.
• Identify key issues and patterns.
• Approach problems broadly to find solutions.
• Work under minimal supervision.

Responsibilities:

• Analyze mortgage loan information such as income, assets, and credit criteria to confirm loan eligibility, ensuring compliance with company and investor guidelines.
• Analyze exceptions and rejections; recommend alternative mortgage products to bring loans within guidelines.
• Review self-employed borrower income documentation.
• Approve mortgage loans and authorize disbursements based on complete analysis of documentation and regulations.
• Assess the acceptability and marketability of real estate properties to ensure sufficient collateral.
• Prepare and present counter-offers on marginal loans; prepare adverse action notices in compliance with regulatory provisions.
• Understand effects of real estate contracts, such as age restrictions and HOAs.
• Collaborate with loan originators and processors to ensure proper documentation.
• Participate in mentoring sessions for team members.
• Maintain current knowledge of mortgage products and guideline changes.
• Assist in maintaining the online manual for guidelines.
• Perform secondary reviews of suspended or declined loans.
• Perform other duties as assigned.

Pay and Benefits:

The pay range is $30.24 - $39.93/hr. Benefits may include medical, dental, vision, 401(k), life insurance, disability, HSA, transportation benefits, PTO, and more, subject to eligibility and plan specifics.

Workplace Type: Hybrid position in Winchester, VA.

Application Deadline: June 17, 2025.

TEKsystems is an equal opportunity employer and considers all applications without regard to protected characteristics.