Mortgage Lending Underwriter – Residential Loans (Non-QM & Jumbo)

Kirkland, WA - USA

Monthly Salary: $ 85 - 100

Posted on: 30+ days ago

Vacancies: 1 Vacancy

The job posting is outdated and position may be filled

Job Summary

Mortgage Lending Underwriter Residential Loans (Non-QM & Jumbo)

Kirkland WA

Bring your residential underwriting experience to a lender focused on residential and construction mortgages.

As a Mortgage Lending Underwriter you will review complex mortgage applications submitted through internal and external channels. This role requires strong analytical expertise attention to detail and a solid understanding of credit risk and lending guidelines to make sound underwriting decisions.

Mortgage Lending Underwriter Responsibilities:

File Triage: Scrub mortgage packages for completeness and quality pulling insights from income docs statements and credit data.
Credit Judgment: Weigh borrower strength deal context and capacity to repay to form a clear go/no-go view.
Policy Alignment: Keep decisions inside house credit guardrails investor expectations and applicable regs.
Decision Messaging: Deliver outcomes and rationale to origination and ops so everyone knows the why and next steps.
Valuation & Collateral Check: Validate property reports and supporting materials against program criteria and valuation logic.
Disposition Calls: Greenlight rework or decline based on quantified risk and compensating factors.
Market & Rule Tracking: Monitor shifts in underwriting norms product overlays and regulatory updates; adjust practices accordingly.
Exit Financing Matchmaking: Pair eligible files with the right permanent/agency programs to ensure a viable take-out.
Workflow Partnering: Coordinate with internal counterparts to keep files moving and cut cycle time.

Mortgage Lending Underwriter Qualifications:

At least 8 years of experience in mortgage underwriting (including conventional non-QM and construction loans)
Bachelors degree or equivalent experience in finance or related field
Strong knowledge of underwriting principles risk assessment and industry regulations
Experience with Encompass and must have manual underwriting experience
Excellent analytical communication and problem-solving skills
Detail-oriented with the ability to meet deadlines under pressure

Company Benefits:

Medical Dental and Vision Insurance
Annual bonus
401k with a 3% match

Compensation: $85-$100k

Mortgage Lending Underwriter Residential Loans (Non-QM & Jumbo)Kirkland WABring your residential underwriting experience to a lender focused on residential and construction mortgages.As a Mortgage Lending Underwriter you will review complex mortgage applications submitted through internal and exter...