Senior Underwriter
Location
United States
Posted
1 day ago
Salary
$110K - $140K / year
Seniority
Senior
Job Description
Senior Underwriter
Clayton
Role Description The Underwriter III reviews and evaluates conventional, FHA, VA, and specialty product loans to determine credit worthiness of the borrower, assess risk to the Company, and ensure compliance with federal, state, and Company lending guidelines and regulations. This role is responsible for providing consistency in credit quality and decisions, process flow, and customer service (both internal and external) when determining mortgage loan approval. Job Functions - Loan File Review: Ensures conventional, FHA, VA, and specialty product loans are compliant and eligible in the secondary market by completing a full credit and risk analysis of the loan file, which includes reviewing the real estate contract, title documents, borrower’s ability to repay and agency requirements. Consistently exceeds volume metric of two initial submissions per day with an average of ten loan files per week. - Credit Analysis: Reviews the borrower’s credit history to assess their credit worthiness and ability to repay. This includes looking at the borrower’s credit report, credit scores, and payment history, debt-to-income ratios, and other financial criteria. - Asset & Debt Evaluation: - Verifies borrower’s assets (e.g., savings, investments, real estate holdings) to ensure sufficient funds. - Checks for existing debt and/or loans that may impact repayment. - Considers the borrower’s ability to make monthly mortgage payments, based on their income, employment status, and debt-to-equity ratio. - Confirms borrower’s income and certifies income calculations. - Collateral Review: Reviews title reports to confirm legal ownership, as well as any liens or encumbrances on the property. Reviews the appraisal to evaluate the condition of the property being financed. - Risk Assessment: - Uses automated underwriting systems for initial risk scoring. - Performs manual underwriting for complex cases and analyzing compensation factors. - Manages risk and prevents fraud in the lending process by identifying and addressing any potential red flags in the loan application and supporting documents. - Loan Program and Compliance Check: Confirms loan meets lender & regulatory guidelines (e.g. conventional, FHA, and VA loan requirements). Ensures compliance with federal & state lending laws (e.g., Truth in Lending Act, Equal Credit Opportunity Act). Reviews all documentation in the file to ensure it meets applicable agency or investor guidelines. - Loan Approval: Issues a conditional approval if additional documentation or explanation is required. Documents underwriting decisions in the Loan Operating System regarding approval to assist with post-closing, quality control, or management, should questions arise. Communicates with Loan Originators, Processors, and Closers that loan is CTC (Clear to Close). - Administration & Communication: - Works with Loan Originators, Processors, borrowers, and other stakeholders to answer and/or clarify any questions or concerns regarding underwriting decisions, guidelines or conditions. - Assists with internal/external audit requests. - Stays abreast of current trends in the mortgage industry (investor, agency, and government guidelines), changes in regulations and market conditions to ensure that underwriting processes remain current and effective. - Communicates with Loan Originators, Processors, and other team members regarding underwriting decisions, guidelines, and conditions. - Assists with internal/external audit requests. Qualifications - High school diploma or equivalent required. College degree preferred. - Minimum of 5 years’ experience underwriting conventional, FHA, and VA mortgage loans. - Licenses/Certifications: Direct Endorsement (DE); Staff Appraisal Reviewer/Lender Appraisal Processing Program (SAR/LAPP), VA Credit Authority. Requirements - Excellent understanding of investor, agency and government guidelines and systems. - Excellent written and verbal communication skills along with solid computer skills. - Analytical thinker and consultative mind to support both team members and managers in all areas of the business. - Goal-oriented, self-motivated with the capacity to meet and exceed assigned goals. - Willing to learn, industrious, determined, and assertive. - Excellent organizational skills and the ability to multitask to complete a wide variety of tasks. - Strong people skills with ability to interact with all internal teams and external customers. - Must be able to maintain sensitive and confidential information. - Diligence to ensure tasks are completed thoroughly and on time. Benefits - The total expected pay range including bonus for this position is from $110,000 - $140,000. - The stated hiring range is based on experience, qualifications, and other relevant factors. - Final compensation decisions will take into account a variety of considerations, including individual skills, internal equity, and organizational needs.
Related Guides
Related Categories
Related Job Pages
More Growth Marketing Jobs
Growth Marketing Associate
Hire Hangar GlobalOffshoring as a service. Hire the top 1% of flexible, global talent. $0 fees to get started.
• Plan and run email and SMS campaigns in HubSpot or High Level. • Keep social channels (LinkedIn, Instagram, TikTok, X) active and on-brand. • Build and maintain a 30-day content calendar. • Design graphics and edit short videos in Canva, CapCut, or Figma. • Automate busywork with Zapier and keep data flowing between HubSpot, Salesforce, and other tools. • Track results in Excel/Google Sheets and share clear insights. • Work closely with sales reps in South America and give teammates easy-to-follow process docs.
Director of Ecosystem Growth
CircleCircle helps businesses and developers harness the power of stablecoins for payments and internet commerce worldwide.
• Own Circle’s market intelligence, brand presence, and stakeholder engagement and ecosystem growth across North Africa • Gather market intelligence and develop Circle’s brand presence across DeFi, crypto capital markets, payments, remittances, and institutional use cases across North Africa • Proactively identify potential market participants and ecosystem contacts; respond to and document genuine inbound partnership inquiries without conducting active solicitation • Partner closely with Commercial and Business Development teams to share market intelligence • Orchestrate cross-functional execution with Product, Solutions, Operations, Marketing, Policy, Legal, and Compliance • Help shape Circle's regional strategy by building market intelligence and assessing sequencing across countries • Support engagement with regulators, policymakers, industry bodies, and other key ecosystem stakeholders
Manager, Video Growth
The AthleticAn online, direct-to-consumer subscription media company, The Athletic was founded in 2015 to cover "every sports story that matters." The Athletic is committed
• drive the global audience strategy on and off-platform • oversee performance and reporting on video produced across Video, Reporter and Shows & Series teams • manage and mentor a team of growth specialists and platform leads • oversee the end-to-end performance of all video content • lead the strategy and execution of our Creator Program • act as the primary liaison between the Video team and the Newsroom • own the departmental data stack • partner with the Senior Executive Producer of Creative Studios to support commercial RFPs • design and implement sophisticated workflows
Role Description The Growth Lead is responsible for driving strategic growth within the United States Air Force by identifying operational mission challenges, positioning FTI Defense’s technology and solutions to address those challenges, and leading the progression from initial mission engagement to contract win and scaled operational adoption. This role blends traditional government business development with a modern, technology-led solution sales approach focused on solving mission and operational problems through integrated capabilities rather than solely pursuing transactional contracts. The Air Force Growth Lead serves as FTI Defense’s senior growth representative for the Air Force account. The role requires deep understanding of Air Force missions, operational environments, sustainment ecosystems, acquisition pathways, and decision structures, combined with the ability to translate mission needs into compelling solution narratives that lead to program adoption, mission impact, and long-term expansion. The ideal candidate maintains trusted relationships across operational, sustainment, logistics, maintenance, acquisition, cyber, and mission-support communities and is viewed as a credible mission partner capable of opening doors through deep operational understanding and established Air Force relationships. This individual reports directly to the Chief Growth Officer and works closely with internal technology, engineering, operations, capture, and growth teams to align customer mission problems with the company’s capabilities, shape opportunities before formal acquisition activity exists, and convert mission relevance into contract opportunities and successful program execution. Responsibilities - Drive Air Force market growth. - Lead all growth activities within the Air Force pipeline, developing and executing account strategies that position the company’s solutions as mission-relevant capabilities. - Identify current and future mission problems and shape solutions. - Cultivate and mature value propositions around solutions and long-term partnerships. - Engage stakeholders across operational, sustainment, logistics, maintenance, acquisition, cyber, and mission-support communities to understand emerging mission challenges and align the company’s platforms and capabilities to operational needs. - Execute a mission focused solution sales approach. - Move beyond traditional opportunity tracking by building demand through mission engagement, demonstrations, pilots, prototypes, operational experimentation, and early adoption programs. - Identify, qualify, and mature opportunities from early mission engagement through capture and proposal stages across multiple acquisition pathways (SBIR, OTA, CSO, MAC, IDIQ, and other vehicles). - Build lasting and trusted strategic relationships across operational, sustainment, logistics, maintenance, acquisition, cyber, and mission-support communities within the Air Force ecosystem. - Work closely with technology, engineering, capture and proposal teams, operations, and shared services to ensure opportunities are properly shaped, resourced, and executed. - After initial wins, drive expansion within Air Force organizations by identifying additional mission users/applications and scaling adoption across commands and programs. - Serve as a trusted advisor to operational and acquisition stakeholders by understanding mission execution challenges, operational readiness concerns, sustainment pressures, and modernization priorities. - Help position FTI Defense as a strategic operational partner rather than solely a technology vendor or staffing provider. - Provide operational market intelligence related to mission priorities, sustainment requirements, modernization initiatives, readiness gaps, and emerging Air Force technology demands. Qualifications - Must be a U.S. citizen and possess an active Top Secret level security clearance. - 10+ years of experience supporting Air Force or Department of Defense operational, sustainment, acquisition, mission-support, or modernization environments. - Demonstrated understanding of Air Force missions, operational ecosystems, sustainment operations, logistics, maintenance, acquisition pathways, and mission priorities. - Proven ability to build trusted relationships across operational, sustainment, logistics, maintenance, acquisition, cyber, and mission-support communities within the Air Force ecosystem. - Strong understanding of DoD acquisition pathways, including OTAs, SBIR/STTR, and major contract vehicles. - Experience supporting or selling software, analytics, AI, modeling and simulation, cyber, digital mission capabilities, readiness technologies, or operational support solutions. - Proven ability to develop pipeline and mature opportunities from early mission engagement through contract award. - Existing network across operational, sustainment, logistics, maintenance, acquisition, cyber, and mission-support communities within the Air Force ecosystem. - Preferred candidates will possess prior operational Air Force experience, direct mission-support experience, or extensive embedded experience supporting operational Air Force organizations. - Candidates should maintain current and active relationships across operational, sustainment, logistics, maintenance, acquisition, cyber, and mission-support communities within the Air Force ecosystem. - Experience supporting organizations such as AFMC, ACC, PACAF, USAFE, AFGSC, AFSOC, AMC, AFRC, strategic joint organizations, operational wings, sustainment centers, depot maintenance organizations, logistics readiness organizations, cyber operations organizations, or command-and-control mission areas is strongly preferred. Key Competencies - Deep appreciation for the operational challenges facing the Air Force and the ability to translate those challenges into technology opportunities. - Ability to position integrated capabilities that solve mission problems rather than selling individual products or services. - Skilled at building trust across operational, sustainment, logistics, maintenance, acquisition, cyber, and mission-support communities. - Ability to influence requirements and acquisition strategies early in the lifecycle. - Works seamlessly with engineering, product, capture, operations, and executive leadership to move opportunities forward. - Must have strong communication and presentation skills. - Experience with CRM systems to track pipeline actionability and customer engagement plans. - Ability to establish credibility quickly within operational mission environments through lived experience, mission understanding, and trusted relationships. - Strong understanding of operational mission execution, readiness, sustainment, logistics, maintenance, and lifecycle support environments. - Ability to identify mission friction points and align innovative technologies to operational needs before formal acquisition activity occurs. - Builder mentality with the ability to create demand, shape opportunities, and drive long-term mission adoption through operational relevance and trusted engagement.



