Senior Mortgage Underwriter (Conventional, FHA, VA)

3M HEALTHCARE; Rosemont (IL); On-site; USD 71,000 - 92,000; Full time

Benefits offered by this job

Medical Insurance

Dental

Vision

Life insurance

401(k) with company match

Parental Leave

Employee Assistance Program

Job summary

Wintrust Mortgage is seeking an experienced mortgage underwriter to assess conventional and government loan applications, ensuring compliance with investor and agency guidelines. You will review conditions, maintain a fast 48-hour resubmission turnaround, and collaborate with originators, LOAs, and processors.

The role emphasizes accuracy, multi-tasking, and strong communication. A high school diploma is required, with 5–10 years of underwriting experience and advanced computer skills.

Qualifications

• 5-10 years current underwriting experience with conventional and government loans.
• High school diploma or equivalent.
• Attention to detail and accuracy is a must.
• Ability to manage multiple tasks.
• Strong organizational skills.
• Excellent verbal and written communication skills.
• Advanced computer skills.

Responsibilities

• Responsible for ensuring real estate loan applications are underwritten in accordance with the latest investor and agency guidelines.
• Underwrites loans within acceptable department quality standards.
• Underwrites conventional mortgage loans to determine acceptable compliance with relevant agency, investor and internal guidelines.
• Reviews all follow‑up conditions from initial approval, suspension or decline for acceptability.
• Maintains maximum 48 hours turn time on resubmissions.
• Ensures all loans underwritten will be eligible for sale to end investor and appropriate government agency.
• Responsible for support and utilization of pipeline management.
• Cleans High Impact Alerts in fraud detection tool and monitors misrepresentation risk for all loans.
• Validates all AUS findings submissions to determine all requirements are met.
• Obtains second signature from management for all loans exceeding lending authority.
• Works directly with Loan Originators, LOA’s and Processors.
• Returns all phone calls and emails in a timely fashion.
• Ongoing education and training to stay current with market trends, changing guidelines and requirements.
• LOS data entry to provide minimum fields needed for proper reporting for data for HMDA, and other reporting.
• Other mortgage operations duties as needed arise.
• Underwriting authority: Conventional loans, FHA DE, VA SAR, and jumbo loans.

Skills

Underwriting

Detail-oriented

Multitasking

Communication

Organization

Education

High School Diploma

Tools

MS Office

Job description

Wintrust Mortgage is seeking an experienced mortgage underwriter to assess conventional and government loan applications, ensuring compliance with investor and agency guidelines. You will review conditions, maintain a fast 48-hour resubmission turnaround, and collaborate with originators, LOAs, and processors.

The role emphasizes accuracy, multi-tasking, and strong communication. A high school diploma is required, with 5–10 years of underwriting experience and advanced computer skills.