Remote Senior Mortgage Underwriter (Housing Programs)

Kentucky Housing Corporation; New York (NY); Hybrid; USD 75,000 - 110,000; Full time

Job summary

Kentucky Housing Corporation is seeking a Single-Family Underwriter to review, approve or deny loans funded with KHC homeownership funds, ensuring compliance with CFPB and all federal/state laws including FHA, VA, RHS, FNMA, and TRID.

The role involves analyzing credit histories, managing multiple applications, and using underwriting systems. Possession of knowledge across government programs and strong analytical skills is essential; option to work from home or satellite office.

Qualifications

• Knowledge of federal housing programs, laws and regulations.
• Understanding of accounting/audit principles and practices.
• Ability to review loan files for compliance and risk.

Responsibilities

• Analyze mortgage loan files against applicable regulations and guidelines.
• Review loans for compliance, sustainability and risk prior to funding.
• Assess applicant credit history and financial information for eligibility.
• Manage multiple applications concurrently and use web-based systems for documents.
• Communicate with AMC on appraisal issues and provide guidance to lenders.
• Make independent approval decisions and stay updated on regulatory changes.
• Provide timely underwriting support and respond to questions from staff and auditors.
• Assist in training underwriters and performing quality control reviews.

Skills

Word processing/spreadsheet apps

Education

Associate's degree in public administration or business

Tools

FNMA Desktop Underwriter

Freddie Mac Loan Product Advisor

FHA Connection

VA WebLGY

RHS Government Underwriting System

KHC internal loan origination systems

Job description

Kentucky Housing Corporation is seeking a Single-Family Underwriter to review, approve or deny loans funded with KHC homeownership funds, ensuring compliance with CFPB and all federal/state laws including FHA, VA, RHS, FNMA, and TRID.

The role involves analyzing credit histories, managing multiple applications, and using underwriting systems. Possession of knowledge across government programs and strong analytical skills is essential; option to work from home or satellite office.