The Mortgage Talent Network

Role Description Are you an FHA DE Underwriter who loves strategic file structuring but hates tedious, manual data entry? A fast-scaling, technology-driven independent mortgage lender rewriting the rules of modern lending is looking for a seasoned DE Underwriter who's ready to trade the grind of rote data tasks for the kind of high-judgment, complex underwriting work that actually challenges you. This is a fully remote role with real decisioning authority, AI-powered workflows that have your back, and a collaborative ops team that makes fast, accurate closings the norm — not the exception. What You'll Do - Master the Pipeline - Own a diverse pipeline of FHA and conventional conforming loans from submission to clear-to-close, with opportunities to underwrite VA, USDA, and bond/grant program files as volume and licensing allow. - Apply sound credit judgment on complex files — income, asset, and liability layering — while leveraging automated workflows that eliminate the low-value manual work that slows most underwriters down. - Be the Expert - Serve as the strategic underwriting resource for loan officers and processors on difficult-to-structure deals, helping the team find the path to approval within guideline parameters. - Maintain zero-defect quality standards across your pipeline while delivering the decisive, consistent turn times that set this lender apart in a competitive market. - Stay current on agency guideline changes (FHA, Fannie Mae, Freddie Mac) and proactively share relevant updates with your production partners. - Elevate Efficiency - Work fluently within Encompass LOS and utilize DU and LPA outputs to support accurate, well-documented credit decisions. - Collaborate closely with processors, LOs, and closing teams in a high-trust, fully virtual environment — contributing to a culture where strong communication replaces micromanagement. Qualifications - Active FHA DE certification with a valid CHUMS ID — this is a firm requirement, not a preferred credential. - 3–5 years of continuous, frontline retail residential mortgage underwriting experience. - Demonstrated mastery of both DU and LPA (Automated Underwriting Systems) and hands-on proficiency with Encompass LOS. - Deep working knowledge of FHA and conventional conforming guidelines; familiarity with VA, USDA, or bond/grant programs is a meaningful plus. - A self-directed, high-accountability work style — you're energized by autonomy, not paralyzed by it, and you hold yourself to a high standard without someone looking over your shoulder. - Strong interpersonal and written communication skills; the ability to explain a complex credit decision clearly to an LO is just as important as getting the decision right. - Must be authorized to work in the United States. Requirements - Active VA SAR or LAPP authority. - Experience with FHA 203k, USDA, or down payment assistance/bond programs. - Jumbo or non-QM underwriting exposure. - Prior experience at an independent mortgage company (IMC/IMB). Benefits - Comprehensive benefits package that includes medical, dental, vision, and 401(k). - Freedom to work from anywhere in the U.S. with a fully remote infrastructure built for it. - Stability, growth, and the kind of speed and decisioning latitude that only a scaling independent lender can offer. Ready to Make a Move? If this sounds like the underwriting role you've been waiting for, reach out to Deena at The Mortgage Talent Network today — she'd love to talk through whether this opportunity is the right fit for where you want to take your career. The Mortgage Talent Network is an Equal Opportunity Employer. All qualified applicants will receive consideration without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other protected class.

• Lead, mentor, and calibrate a team of retail residential underwriters — setting the standard for quality, consistency, and turn time • Own escalated and exception files while maintaining production flow and protecting the company's credit profile • Serve as a cross-functional partner to sales, operations, and processing — removing friction, solving bottlenecks, and keeping the pipeline moving • Develop and maintain a robust underwriting quality feedback loop that drives continuous improvement across the team • Monitor agency guideline updates (Fannie Mae, Freddie Mac, FHA and beyond) and translate changes into clean, workable overlays the team can execute on • Ensure all underwriting activity meets state-by-state compliance standards in an IMC environment — where regulatory precision matters and there is no federal preemption safety net • Contribute to senior-level credit and production conversations as a credible, experienced voice in the room

• Lead, coach, and develop a team of retail residential underwriters — managing daily production, quality metrics, and pipeline turn times • Partner cross-functionally with sales, processing, and operations leadership to keep file flow moving efficiently and exceptions resolved quickly • Own the escalation queue — making sound, defensible credit decisions on elevated or exception files while documenting reasoning clearly • Drive calibration sessions and ongoing training to keep the team aligned on agency guidelines, investor overlays, and internal credit policy • Identify workflow inefficiencies and collaborate with ops leadership to implement process improvements that protect both speed and quality • Serve as a credit culture ambassador — modeling sound judgment, clear communication, and a commitment to compliant, borrower-focused lending

Role Description Are you an FHA DE Underwriter who loves strategic file structuring but hates tedious, manual data entry? Our client is a fast-scaling, technology-driven mortgage lender rewriting the rules of modern lending. They are expanding their operations team and looking for a Senior Underwriter who blends deep agency expertise with a tech-forward mindset. Instead of drowning in paperwork, you’ll leverage cutting-edge AI tools designed to streamline your workflow so you can focus on decisioning loans. - Master the Pipeline: Primarily decision FHA and Conforming loans, with the opportunity to handle VA, USDA, and Bond/Grant programs. - Be the Expert: Act as the strategic, go-to resource for Loan Officers and Processors to help structure complex files. - Elevate Efficiency: Maintain "zero-defect" quality standards while enjoying lightning-fast turn times backed by automated workflows. - Core Certification: Active CHUMS ID (FHA DE) is required. - Experience: 5+ years of recent (frontline) mortgage underwriting experience in the residential mortgage space. - Tech Savvy: Mastery of AUS systems (DU/LPA) and proficiency in Encompass LOS. - Work Style: High autonomy to thrive in a 100% remote environment, backed by a highly collaborative virtual team. Qualifications - Active VA SAR/LAPP ID (Preferred but NOT Required) Company Description

• Daily Pre-Fund QC: Selecting daily pre-fund files for QC review based on risk factors and targets, sending them to the QC vendor, and chasing deficiencies. • NMLS & State Licensing: Handling monthly state reporting, running individual originator and branch license applications, and resolving deficiencies. • Advertising Compliance: Reviewing marketing material against advertising rules, auditing Loan Officers' online presence for compliance issues, and maintaining an in-house resource for advertising requirements. • Audit Readiness: Pulling marketing archives and assembling files for auditors and examiners. • Coverage & Collaboration: Cross-training with a peer for full year-round coverage.

• Partner directly with Loan Officers across every stage of the loan lifecycle — application through closing • Manage borrower communication, realtor relationships, and third-party coordination • Gather and verify documentation for complete, accurate loan packages • Track pipeline milestones — approvals, appraisals, closings — and keep every deadline met • Order and follow up on appraisals, verifications, and title work • Clear conditions efficiently and deliver clean, compliant files to Closing on time • Anticipate problems before they become last-minute crises

• Actively placing mortgage loan officers and sales leaders with lender partners across the country • Platforms built for producers who are tired of slow ops, limited products, and comp that doesn't match their effort

• Design and build workflows, business rules, input forms, fee templates, and custom fields that support loan operations • Evaluate and implement system improvements as the business evolves • Manage integrations with third-party services within Encompass • Document configurations, changes, and system standards • Resolve Encompass system issues escalated from the help desk • Manage user roles and permissions • Train and support staff on system changes and new functionality • Partner with operations and compliance to keep configurations current with regulatory requirements

• Designing your career in the mortgage industry • Providing the bridge to top-tier lenders • Focusing on clients, not conditions with operational support • Accessing remote and flexible work arrangements • Engaging in confidential exploratory conversations about career paths

• Partner directly with Loan Officers across every stage of the loan lifecycle — application through closing • Manage borrower communication, realtor relationships, and third-party coordination • Gather and verify documentation for complete, accurate loan packages • Track pipeline milestones — approvals, appraisals, closings — and keep every deadline met • Order and follow up on appraisals, verifications, and title work • Clear conditions efficiently and deliver clean, compliant files to Closing on time • Anticipate problems before they become last-minute crises