Home Mortgage Retail Underwriter Senior Specialist

Citizens•Johnston, RI

27d•$70,000 - $100,000

About The Position

We are seeking an experienced Senior Mortgage Underwriter to evaluate residential mortgage loan applications including Conventional, Portfolio, and Non-QM loan products. The Senior Underwriter will analyze borrower credit, income, assets, and collateral to determine loan eligibility while ensuring compliance with company credit policy, investor guidelines, and regulatory requirements. The ideal candidate has strong analytical skills and the ability to exercise independent credit judgment beyond automated underwriting findings, particularly when reviewing complex borrower scenarios.

Requirements

5+ years of mortgage underwriting experience required
Experience underwriting Conventional, Portfolio, and Non-QM loan programs
Strong knowledge of mortgage credit analysis and income calculation
Experience evaluating self-employed borrowers and complex financial documentation
Familiarity with DU/LPA and manual underwriting
Ability to exercise sound credit judgment and risk assessment

Responsibilities

Underwrite residential mortgage loans including Conventional, Portfolio, and Non-QM products.
Review borrower documentation including credit, income, assets, appraisal, and title.
Analyze complex borrower profiles including self-employed borrowers and alternative income documentation such as bank statements, asset utilization, and DSCR programs.
Perform manual underwriting and risk analysis when automated underwriting systems are not applicable.
Ensure all loans comply with Ability-to-Repay (ATR) requirements and applicable regulatory standards.
Issue clear underwriting decisions, approvals, and conditions.
Communicate effectively with processors, loan officers, and operations staff to move loans efficiently through the pipeline.