Mortgage Loan Underwriter | Sage Home Loans

Sage Home Loans Corporation•Charlotte, NC

1d•Hybrid

About The Position

As an Underwriter on our Mortgage team, you’ll be a key decision-maker, applying your expertise to evaluate risk, ensure compliance, and protect both our clients and our company with every loan you touch. You’ll work across a broad range of loan types—from conventional and jumbo to FHA, VA, and USDA—using both manual judgment and AUS tools to assess borrower financials, validate documentation, and determine loan eligibility. You’ll partner closely with Loan Officers, Processors, Closers, and other internal stakeholders in a fast-paced, high-accountability environment that values accuracy, collaboration, and a client-first mindset. Our team believes in doing the right thing—every time—and you’ll play a crucial role in upholding that standard while helping us leave the woodpile higher with every deal we close. If you’re passionate about underwriting excellence, thrive in complexity, and bring a spirit of ownership and continuous improvement, we’d love to have you on the team.

Requirements

Bachelor’s degree or college coursework in Business Administration or a related field
Current CHUMS ID and/or VA LAPP/SAR designation required
5+ years of experience underwriting all loan types for both secondary market sale and portfolio use
Expertise in Conventional (conforming and jumbo), FHA, VA, and USDA loan programs
Strong knowledge of mortgage and home equity products, pricing, and regulatory/tax requirements
Proficient in evaluating residential mortgage and home equity lending applications
Skilled in resolving title, appraisal, and underwriting issues through sound judgment and negotiation
Experience with cash flow analysis and applying financial math concepts
Familiarity with FCRA, ECOA, and all applicable federal/state credit regulations
Proficient in Automated Underwriting Systems (e.g., DU/LP) and Encompass Loan Origination System
Highly organized, with the ability to analyze complex data, identify risk, and draw sound conclusions
Effective communicator who works collaboratively with borrowers, loan officers, vendors, and internal stakeholders
Contributes to continuous improvement by providing input into underwriting procedures and mentoring support staff

Responsibilities

Underwrite a variety of residential real estate loans, including Conventional (conforming and jumbo), FHA, VA, and USDA products
Utilize both manual and automated underwriting systems to evaluate risk, determine loan decisions, and apply investor-specific overlays
Complete detailed cash flow analysis and assess overall borrower financial condition through review of financial statements, credit reports, income documentation, and qualifying ratios
Review and validate complex loan files for accuracy, regulatory compliance, documentation requirements, and adherence to investor guidelines
Evaluate collateral by reviewing property appraisals to ensure they meet investor and agency requirements
Maintain expert-level knowledge of FHA, VA, Fannie Mae, and Freddie Mac underwriting guidelines and processing requirements
Serve as a subject matter expert in residential underwriting and home equity lending, staying current on industry trends and investor changes
Ensure strict compliance with all state and federal regulations, acting as a final line of defense for loan eligibility and regulatory integrity
Approve loans within lending authority, review and sign off on secondary market loan denials, and escalate complex scenarios for higher-level review
Contribute to the development, documentation, and improvement of departmental processes, policies, and benchmarks
Work in an Encompass-based lending environment and contribute to process efficiency through system fluency