Senior Mortgage Underwriter: Lead & Elevate Underwriting

VyStar Credit Union; Jacksonville (FL); On-site; USD 85,000 - 115,000; Full time

Benefits offered by this job

Competitive pay

401(k) Plan

Tuition reimbursement

On-the-job training

Job summary

VyStar Credit Union in Jacksonville, FL is seeking a Senior Mortgage Underwriter to evaluate conventional, FHA, VA, and specialty loan applications. You will determine credit worthiness, ensure compliance with agency guidelines, and support loan processing teams to maintain quality and timeliness.

The role requires strong analytical skills, knowledge of ATR/QM rules, and experience with Encompass LOS. You will participate in risk assessment, stay current with regulations, and help meet

Qualifications

• 5+ years in a mortgage underwriting role including conventional, FHA, VA, equity, construction-to-perm, renovation-to-perm underwriting.
• Strong analytical and decision making/problem solving skills.
• Experience with mortgage software and regulatory guidelines.

Responsibilities

• Review loan files for lender credit underwriting and government guidelines compliance.

Skills

Mortgage underwriting

Fannie/Freddie underwriting

ATR/QM rules

Encompass LOS

VA FHA underwriting

Education

Direct Endorsement (DE) certification

CHUMS certification

VA LAPP experience

SAR Underwriter VA loans

Tools

None

Job description

VyStar Credit Union in Jacksonville, FL is seeking a Senior Mortgage Underwriter to evaluate conventional, FHA, VA, and specialty loan applications. You will determine credit worthiness, ensure compliance with agency guidelines, and support loan processing teams to maintain quality and timeliness.

The role requires strong analytical skills, knowledge of ATR/QM rules, and experience with Encompass LOS. You will participate in risk assessment, stay current with regulations, and help meet