Senior Mortgage Underwriter - Guideline Expert, Strong Benefits

Guidance Residential, Llc; Dallas (TX); On-site; USD 72,000 - 98,000; Full time

Benefits offered by this job

Medical

Dental

Vision

Flex Spending

Life/AD&D

STD

LTD

401K with match

Student Loan Paydown

paid holidays and vacation

Job summary

Guidance Residential, LLC is seeking an experienced Underwriter to evaluate mortgage applications and ensure compliance with investor guidelines. You will collaborate with the underwriting team to provide a consistent customer experience in line with GR goals.

The ideal candidate has five or more years of underwriting experience, strong knowledge of applicable guidelines, and the ability to analyze complex transactions while maintaining accuracy and confidentiality.

Qualifications

• Minimum five years of underwriting experience with conventional first mortgage loans.
• Comprehensive knowledge of Fannie Mae and Freddie Mac underwriting requirements and investor guidelines.
• Demonstrated ability to independently analyze complex transactions and research guideline questions.
• Excellent oral and written communication skills.
• Ability to manage workload while maintaining quality, compliance, and production standards.
• Demonstrated accountability, professional integrity, and commitment to continuous learning and development.

Responsibilities

• Reviews and evaluates co-ownership applications to determine compliance with investor and Company guidelines.
• Analyzes income, assets, credit, collateral, occupancy, and overall transaction risk to make sound underwriting decisions.
• Conditionally approves, suspends, or recommends denial of applications based on findings and guidelines.
• Identifies discrepancies, potential risks, and additional documentation needed to support an underwriting decision.
• Documents underwriting decisions clearly and communicates conditions that are concise and actionable.
• Maintains knowledge of Fannie Mae, Freddie Mac, investor, and Company guidelines and researches underwriting questions as needed.
• Manages assigned workload to meet quality, productivity, and service expectations while maintaining accuracy and compliance.
• Communicates professionally with processors, sales staff, management, and other partners; takes ownership of files through final disposition.
• Performs other duties as assigned by management.

Skills

Underwriting

Financial analysis

Risk assessment

Attention to detail

Communication skills

Job description

Guidance Residential, LLC is seeking an experienced Underwriter to evaluate mortgage applications and ensure compliance with investor guidelines. You will collaborate with the underwriting team to provide a consistent customer experience in line with GR goals.

The ideal candidate has five or more years of underwriting experience, strong knowledge of applicable guidelines, and the ability to analyze complex transactions while maintaining accuracy and confidentiality.