Senior Underwriter (Bilingual)

Jobot; San Gabriel (CA); On-site; USD 85,000 - 100,000; Full time

Job summary

A fast-growing nationwide direct mortgage lender is seeking a Senior Underwriter to join their team in San Gabriel, CA. The role involves underwriting complex mortgage loans and requires a strong background in Jumbo and Non-QM products. The company offers competitive compensation, comprehensive benefits, and a collaborative work environment.

Benefits

Competitive Compensation

401(k) with Company Match

Comprehensive Benefits

Generous PTO & Paid Holidays

Work-Life Balance

Qualifications

• 5+ years of recent mortgage underwriting experience.
• Expertise in high-volume underwriting environments.
• Proficiency with Encompass loan origination software.

Responsibilities

• Underwrite complex Jumbo, Non-QM, and DSCR mortgage loans.
• Review and analyze loan files and credit reports.
• Provide guidance and mentorship to junior underwriters.

Skills

Analytical skills

Problem-solving

Decision-making

Communication

Education

5+ years of mortgage underwriting experience

Expertise in Jumbo and Non-QM products

Tools

Encompass loan origination software

Job description

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Base pay range

$85,000.00/yr - $100,000.00/yr

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Job details

This Jobot Job is hosted by Conner Ferguson

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Salary $85,000 - $100,000 per year

A Bit About Us

We are a fast-growing, nationwide direct mortgage lender licensed in 49 states, specializing in a broad range of mortgage solutions including Prime Jumbo, Non-QM, DSCR (rental cash flow), and Agency loans. With in-house underwriting, doc preparation, and funding for loans up to $10 million, we are committed to providing fast, efficient, and transparent service for homebuyers, realtors, and investors alike. Our culture is built on honesty, integrity, humility, and exceptional customer service.



Why join us?

• Competitive Compensation Strong base salary + bonus potential tied to performance
• 401(k) with Company Match
• Comprehensive Benefits Medical, Dental, Vision, Life Insurance
• Generous PTO & Paid Holidays
• Collaborative Work Environment Join a fast-growing, nationwide team with a supportive culture
• Work-Life Balance Remote flexibility with productivity-based rewards
• Advanced Systems Access top-tier underwriting and processing technology
  
  

Job Details

Key Responsibilities

• Underwrite complex Jumbo, Non-QM, and DSCR mortgage loans in accordance with company, investor, and regulatory guidelines.
• Review and analyze loan files, credit reports, income documents, asset statements, appraisals, and other pertinent documentation to assess creditworthiness and risk.
• Work closely with loan officers, processors, and managers to ensure timely and accurate underwriting decisions.
• Apply sound judgment and risk assessment on loan exceptions and escalate as appropriate.
• Maintain high productivity while delivering consistent quality and meeting established service-level agreements (SLAs).
• Ensure all loan decisions are documented clearly and accurately in Encompass and adhere to compliance and audit standards.
• Provide guidance and mentorship to junior underwriters and processing staff as needed.
• Stay up to date on changes in investor guidelines, Non-QM and Jumbo product offerings, and industry regulations.
  
  

Qualifications

• 5+ years of recent mortgage underwriting experience, with a strong focus on Jumbo and Non-QM products.
• Expertise in high-volume underwriting environments, managing a large pipeline efficiently without sacrificing quality.
• Proficiency with Encompass loan origination software required.
• DE (Direct Endorsement) or LAPP/SAR certifications a plus, but not required.
• Deep understanding of investor guidelines, credit and risk assessment, and compliance requirements (TRID, RESPA, ATR/QM, etc.).
• Excellent analytical, problem-solving, and decision-making skills.
• Strong written and verbal communication abilities, with a focus on clarity and professionalism.
• Proven ability to work independently and meet deadlines in a fast-paced, high-performance environment.
  
  

Interested in hearing more? Easy Apply now by clicking the "Easy Apply" button.

Jobot is an Equal Opportunity Employer. We provide an inclusive work environment that celebrates diversity and all qualified candidates receive consideration for employment without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

Sometimes Jobot is required to perform background checks with your authorization. Jobot will consider qualified candidates with criminal histories in a manner consistent with any applicable federal, state, or local law regarding criminal backgrounds, including but not limited to the Los Angeles Fair Chance Initiative for Hiring and the San Francisco Fair Chance Ordinance.

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Seniority level

• Seniority level

  Not Applicable

Employment type

• Employment type

  Full-time

Job function

• Job function

  Finance and Sales

• Industries

  Human Resources Services, Technology, Information and Internet, and Hospitals and Health Care

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