Residential Underwriter - 3

MVSB (Meredith Village Savings Bank); Keene (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 (Meredith Village Savings Bank) seeks an experienced Residential Underwriter, Level 3, in New Hampshire to review and underwrite residential mortgage loan applications, including complex files and government programs, ensuring compliance with policies and guidelines.

You will work within the Residential Lending team, providing timely decisions and collaborating with originators and processing to support customers and teammates.

Qualifications

• 5–10 years of mortgage underwriting experience.
• Knowledge of government loan programs and secondary-market guidelines.
• DE/SAR certifications required.
• Strong analytical and attention to detail.

Responsibilities

• Underwrite residential mortgage loan requests within lending authority.
• Analyze loan files and flag risks or policy exceptions.
• Provide timely underwriting decisions to move files toward commitment.
• Apply bank, investor, secondary-market, and MI guidelines accurately.
• Collaborate with loan originators and processing to support customers.
• Serve as senior underwriting resource and mentor others.
• Maintain accurate loan data and complete compliance training.

Skills

Mortgage underwriting

Analytical thinking

Communication

Team collaboration

Education

DE/SAR certifications

Tools

Microsoft Excel

Loan processing systems

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. #communitybankingmvsb