Rapid Mortgage Company logo
Rapid Mortgage Company

We Live In The Communities We Serve. NMLS #126841 nmlsconsumeraccess.org 🏡

Mortgage Underwriter – DE/SAR

GeneralGeneralFull TimeRemoteSeniorTeam 201-500H1B No SponsorCompany SiteLinkedIn

Location

United States

Posted

52 days ago

Salary

0

Seniority

Senior

Bachelor Degree3 yrs expEnglish

Job Description

Mortgage Underwriter – DE/SAR

Rapid Mortgage Company

• Analyze and underwrite loan files including credit, income, assets, appraisals, title, and supporting documentation. • Issue clear, concise approval, suspension, or denial decisions within delegated authority. • Underwrite loans to current FHA, VA, USDA, and Conventional guidelines. • Perform manual underwrites for loans that do not receive AUS Approve/Eligible findings. • Interpret and evaluate complex self-employed income documentation (K-1s, Schedule C, 1120s, 1065s). • Review large deposits, verify funds for closing, and ensure adequate reserves. • Communicate conditions and rationale for decisions to internal stakeholders clearly and professionally. • Ensure all underwritten files meet agency, investor, and federal compliance requirements. • Stay informed on changes to underwriting policies, loan products, and regulatory updates. • Partner with processing and sales teams to promote a collaborative and efficient pipeline.

Job Requirements

  • Minimum 3+ years of current mortgage underwriting experience
  • Active DE (FHA) or SAR (VA) designation- Having both is strongly preferred
  • Experience underwriting DPA (Down Payment Assistance) programs
  • Proficiency with Encompass Loan Origination System
  • Experience analyzing complex borrower profiles, including self-employed borrowers and layered risk
  • Strong working knowledge of AUS platforms (DU and LP) and ability to assess manual files when necessary
  • Deep understanding of current investor, agency, and compliance guidelines
  • Exceptional analytical skills, attention to detail, and time management
  • Ability to work independently in a fast-paced remote environment
  • Excellent written and verbal communication skills.

Benefits

  • Medical, Dental, and Vision Insurance available day 1
  • Company-Paid Life and Long-Term Disability Insurance
  • 401(k) Retirement Plan with Company Match
  • Paid Time Off (PTO) + Paid Holidays
  • Career growth opportunities and continuing education support
  • Supportive, collaborative remote team culture

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