Residential Underwriter - 3

MVSB (Meredith Village Savings Bank); Concord (NH); On-site; USD 78,000 - 98,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

401K with company match

Paid time off

Parental leave

Tuition reimbursement

Professional development

Job summary

MVSB is seeking an experienced Residential Underwriter, Level 3, to join our Residential Lending team in New Hampshire. You will review and underwrite residential mortgage loan applications, including complex files and government loan programs, ensuring decisions align with bank policies and regulatory requirements.

We offer a competitive salary and a comprehensive benefits package including medical, dental, vision, 401K with company match, paid time off, paid parental leave, tuition

Qualifications

• 5–10 years of mortgage underwriting experience.
• Strong knowledge of residential mortgage products and guidelines.
• Experience with government loan programs; DE/SAR certifications required.
• Analytical, problem-solving, and attention to detail.
• Clear communication and cross-team collaboration.
• Proficient with loan processing systems and Excel.

Responsibilities

• Underwrite mortgage loan requests within lending authority.
• Analyze loan files for risks or policy exceptions.
• Provide timely underwriting decisions to move files toward commitment and closing.
• Apply bank, investor, secondary-market, and government guidelines accurately.
• Partner with originators, processing, servicing and teammates to support customers.
• Share knowledge and mentor less experienced team members.
• Maintain loan data and complete all required compliance training.

Skills

Residential mortgage underwriting

Analytical thinking

Collaborative teamwork

Education

DE/SAR certifications

Tools

Loan processing systems

Microsoft Excel

Job description

FLSA: Non-Exempt, Non-Management Staff Administrative Support

Hourly Pay: Negotiable based on level of experience between $37.50 - $47.00 per hour

MVSB is seeking an experienced Residential Underwriter, Level 3to join our Residential Lending team, based in New Hampshire. This role is ideal for someone who brings strong residential mortgage underwriting experience, sound judgment, and a commitment to providing thoughtful, responsive support to customers, lending partners, and teammates.

In this role, you will review and underwrite residential mortgage loan applications, including more complex files and government loan programs, while ensuring decisions align with bank policies, regulatory requirements, and secondary-market guidelines.

Why Join Us

We offer a competitive salary along with a comprehensive benefit package including but not limited to, medical, dental, vision, 401K (with Company match), paid time off, paid parental leave, tuition reimbursement, professional development and the opportunity to work with a great team!

What You’ll Do

• Underwrite residential mortgage loan requests within lending authority, including credit, income, asset, collateral, and documentation review.
• Analyze loan files, identify potential risks or policy exceptions, and make clear recommendations when additional review is needed.
• Provide timely underwriting decisions and help keep loan files moving toward commitment and closing deadlines.
• Apply bank, investor, secondary-market, mortgage insurance, and government lending guidelines accurately and consistently.
• Partner with loan originators, processing, servicing, and other team members to answer questions, resolve issues, and support a positive customer experience.
• Serve as a senior underwriting resource by sharing knowledge, supporting less experienced team members, and staying current on industry standards and regulatory requirements.
• Maintain accurate loan data and complete all required compliance training within the scope of the role.

What We’re Looking For

• 5–10 years of current mortgage underwriting experience, or an equivalent combination of education, training, and experience.
• Strong knowledge of residential mortgage products, documentation requirements, and secondary-market lending guidelines.
• Experience with government loan programs; DE/SAR certifications are required.
• Strong analytical, problem-solving, and critical-thinking skills with excellent attention to detail.
• Clear communication skills and the ability to work collaboratively across teams while managing multiple priorities and deadlines.
• Comfort using loan processing systems, Microsoft Excel, and standard desktop applications.

Company Overview

We believe in building genuine partnerships that encompass top of the line customer service delivered by a culture of teamwork, integrity and excellence. We take pride in the communities that we serve!

We are dedicated to providing challenging and rewarding career opportunities for our employees across the state. If you are looking for an opportunity to be part of an award winning team, we are interested in speaking with you!

We are an Equal Opportunity Employer. This includes veterans and individuals with disabilities.