Senior Mortgage Underwriter - In-Office Miami, Multi-Product

Elliman Capital; Miami (FL); On-site; USD 75,000 - 90,000; Full time

Job summary

Elliman Capital in Miami, FL is seeking a Senior Mortgage Underwriter for our in-office team. This hands-on role covers conventional, FHA, VA, jumbo, and Non-QM loans, requiring expert analysis of complex income, assets, and collateral to support well-documented, timely approvals.

You will work closely with processing, closing, and loan officers, shaping conditioning standards, workflow, and underwriting practices to ensure files close on schedule and meet agency and investor guidelines.

Qualifications

• 5+ years of hands-on mortgage underwriting experience.
• Experience across conventional, FHA, VA, jumbo, and Non-QM loans.
• Strong command of self-employed and complex income analysis.
• Proficiency with DU and LPA.

Responsibilities

• Underwrite conventional, FHA, VA, USDA, jumbo, and Non-QM loans within authority and guidelines.
• Analyze income for salaried, commissioned, and self-employed borrowers including tax returns and bank statements.
• Evaluate credit, assets, reserves, and liabilities; identify layered risk and document compensating factors clearly.
• Run and interpret DU and LPA findings to ensure data supports recommendations.
• Review appraisals for value support and eligibility; escalate as needed.
• Review condominium projects for eligibility and warrantability with relevant documents.
• Issue clear, complete, and prioritized conditions and review submissions promptly to protect closing dates.
• Communicate with processors and Loan Officers to structure files and resolve issues before closing.
• Ensure files meet ATR/QM, TRID, and fair lending standards; manage multi-product pipeline with timely decisions.

Skills

Mortgage underwriting experience

Self-employed income analysis

Complex income analysis

Tools

DU

LPA

Job description

Elliman Capital in Miami, FL is seeking a Senior Mortgage Underwriter for our in-office team. This hands-on role covers conventional, FHA, VA, jumbo, and Non-QM loans, requiring expert analysis of complex income, assets, and collateral to support well-documented, timely approvals.

You will work closely with processing, closing, and loan officers, shaping conditioning standards, workflow, and underwriting practices to ensure files close on schedule and meet agency and investor guidelines.