Senior Mortgage Underwriter & Testing Specialist

Bank of America; Jacksonville (FL); On-site; USD 90,000 - 120,000; Full time

Job summary

Bank of America is seeking an experienced residential loan underwriter to join the Enterprise Independent Testing team within Consumer Banking. You will assess conforming, nonconforming, HELOC, FHA and VA files, ensure accuracy, and support end-to-end loan testing in a fast-paced environment.

This role emphasizes risk assessment, collaboration with partners, attention to detail, and the ability to communicate findings clearly.

Qualifications

• Bachelor's degree or equivalent experience in a related field.
• Minimum 5 years' experience in residential loan underwriting including Conforming, Nonconforming, HELOC, FHA and VA.
• Strong analytical and problem-solving abilities.
• Excellent written and verbal communication skills.

Responsibilities

• Accountable for accurate and timely test execution
• Execute testing requiring administrative judgment in the execution of complex testing according to the determined scope
• Independently identify risk defects and root cause for finding placement and details defects
• Examine loan documentation for accuracy and completeness
• Provide training and direction to more junior staff as appropriate
• Elevate errors and recommends enhancements as appropriate
• Review reversal requests/arbitration appeals as well as analyze results
• Work special projects as necessary
• Subject Matter Expert (SME) on appointed tests collaborating with business partners, etc.
• Perform Quality Assurance Testing
• Contributes to Test Development Intakes as needed, including test script edits and pilot testing
• Create and submit redlined test scripts for Simple Path processing
• Point-of-contact for Support Lead or assist Testing Lead when needed

Skills

Monitoring and Testing

Data Privacy

Influence

Issue Management

Reporting

Underwriting

Quality Assurance

Education

Bachelor's Degree or equivalent experience

Job description

Bank of America is seeking an experienced residential loan underwriter to join the Enterprise Independent Testing team within Consumer Banking. You will assess conforming, nonconforming, HELOC, FHA and VA files, ensure accuracy, and support end-to-end loan testing in a fast-paced environment.

This role emphasizes risk assessment, collaboration with partners, attention to detail, and the ability to communicate findings clearly.