Senior Underwriter

Northpointe Bank; United States; On-site; USD 80,000 - 100,000; Full time

Benefits offered by this job

Medical

Dental

Vision

Life, LTD, & AD&D

Dependent Care Spending Plan

Employer Stock Ownership Plan

Complimentary Banking Services

Tuition Assistance

Job summary

Northpointe Bank is seeking a Senior Underwriter to underwrite mortgage loans while ensuring compliance with investor guidelines. The role demands at least 10 years of mortgage underwriting experience, including government and conventional products.

A strong understanding of mortgage processes and the ability to mentor peers is crucial. The position offers benefits like medical, dental, and a 401(k) with company match, promoting a supportive and collaborative work culture.

Qualifications

• Minimum 10 years of mortgage underwriting experience, including government and conventional loan products.
• Extensive knowledge of mortgage processing and investor guidelines.
• Experience in training and mentoring other team members.

Responsibilities

• Underwrite mortgage loans in accordance with guidelines.
• Review loan documentation for completeness and compliance.
• Identify potential fraud during the underwriting review.

Skills

Mortgage underwriting experience

Analytical skills

Communication skills

Decision-making skills

Problem-solving skills

Education

High school diploma or equivalent

College degree in finance or business preferred

Tools

Microsoft Office

Mortgage loan origination systems

Job description

At Northpointe Bank, we believe your career should empower you — to grow, contribute, and find purpose. We’re hiring a Senior Underwriter to underwrite a full range of mortgage loans, including government, bond, and conventional products, while ensuring compliance with investor and internal guidelines.

What You’ll Do

• Underwrite mortgage loans in accordance with investor, agency, and government guidelines (FHA, VA, USDA/RD, MHSDA, OHFA, Fannie Mae, Freddie Mac)
• Review loan documentation, disclosures, and supporting materials to ensure completeness, accuracy, and compliance
• Maintain and apply expertise in automated underwriting systems (DU, LP, GUS)
• Identify and elevate potential fraud or discrepancies during the underwriting review
• Serve as a resource for internal teams, offering guidance on scenarios and resolving escalated issues
• Provide training and mentorship to new and existing underwriters
• Collaborate with processors, loan officers, and closers to meet SLAs and closing timelines
• Manage assigned loan pipeline efficiently to meet production goals
• Maintain compliance with TRID, ECOA, HMDA, and other applicable regulations
• Support quality control efforts and respond to audit and post-closing findings

What You Bring

• Minimum 10 years of mortgage underwriting experience, including government and conventional loan products and state bond programs
• High school diploma or equivalent required; college degree in finance or business preferred
• Extensive knowledge of mortgage processing, closing, and investor guidelines
• Proficiency with Microsoft Office (Word, Excel, Outlook) and mortgage loan origination systems
• Strong analytical, decision-making, and problem-solving skills
• Excellent communication skills and ability to work both independently and collaboratively
• Experience in training and mentoring other team members
• Ability to manage multiple priorities in a fast‑paced, high‑volume environment

Why Join Northpointe?

We offer a collaborative work environment where your expertise directly supports the Bank’s success. You’ll have the opportunity to underwrite diverse loan products, share your knowledge, and contribute to the success of a high‑performing team.

Our Hiring Philosophy

Northpointe Bank recognizes that the quality of our people is the foundation for our success. We attract individuals who value a challenging work environment that rewards the contributions of its people.

It is the policy of Northpointe Bank and its subsidiaries to provide equal employment opportunities (EEO) to all persons regardless of age, race, sex, religion, national origin, handicap, marital status, or other attributes not pertinent to the job requirements. This policy reflects our practice of making all employment decisions, from recruitment to promotions, based on an individual's qualifications without discrimination on any basis.

Benefit Information

• Medical
• Dental
• Vision
• Life, LTD, & AD&D
• Dependent Care Spending Plan (DCSA)
• Employer Stock Ownership Plan with 401(k) feature and company match
• Complimentary Banking Services
• Tuition Assistance

AA – EOE