Senior Government Underwriter – Remote (Must Reside in Hawaii)

Freedom Mortgage•HI Remote, HI

8d•$76,000 - $89,000•Remote

About The Position

The Senior Government Underwriter underwrites residential mortgage loans to ensure compliance with company and secondary-market investor standards and applicable laws. The position reviews loan documentation for accuracy and completeness and underwrites conventional, FHA, VA, and special-program loans within company and industry guidelines. The underwriter works with Loan Originators, Branch Managers, processors, sales teams, and management to obtain required documentation and make sound, timely loan decisions. This role is remote, but the candidate must reside in Hawaii. The position has no supervisory responsibilities.

Requirements

High school diploma or GED required.
At least 5 years of current frontline mortgage underwriting experience required.
Active CHUMS ID required.
DE, VA LAPP, and SARS designations required.
Appraisal review and tax-return analysis skills required.
Understanding of TILA, RESPA, and predatory lending.
Strong analytical, decision-making, and problem-solving skills.
Accuracy, attention to detail, and ability to handle a high-volume workload.
Strong interpersonal, organizational, prioritization, and time-management skills.
Computer proficiency, including LOS systems, Microsoft Office, and Excel; ability to learn and use multiple software programs.
Ability to type and use a keyboard at a speed sufficient to meet job demands.
Ability to deliver results and meet deadlines with minimal supervision.
Self-starter who can adapt to change and communicate and work effectively with investors and coworkers.
Clear, concise, effective written and oral communication skills.
Professional demeanor, work ethic, and attitude.
Ability to read and comprehend instructions, correspondence, memos, workplace policies, business and professional publications, procedures, and governmental regulations; write professional correspondence and routine business reports; and speak effectively with employees and customers, including in one-on-one and small-group settings.
Ability to work with probability, statistical inference, geometry, trigonometry, fractions, percentages, ratios, and proportions in practical situations.
Ability to follow detailed written or verbal instructions, solve problems in standardized situations, define problems, collect data, establish facts, and draw valid conclusions.
Must reside in Hawaii.
Ability to meet the described physical demands, with or without reasonable accommodation.

Nice To Haves

Bachelor of Arts or Bachelor of Science degree preferred.
Prior credit signing authority is a plus.
Experience preparing repurchase responses and/or rebuttal reviews and responses.
Secondary-market experience is a plus.
Experience in a paperless environment preferred.

Responsibilities

Underwrite conventional, FHA, VA, and special-program loans for completeness, accuracy, and compliance.
Maintain current knowledge of company loan-product guidelines, DU/LP guidelines, and mortgage risk-assessment tools.
Rework loans to new terms and identify additional conditions needed to reach a viable credit decision.
Review borrower profiles and documentation, including income records, tax returns, credit reports, preliminary reports, judgments, bankruptcy documents, and appraisals.
Analyze and calculate personal and business income and request documentation needed to support final loan decisions.
Exercise sound judgment, conduct reasonableness tests, and issue quality decisions.
Determine file accuracy and completeness and ensure processes are consistent.
Use automated underwriting systems, including DU and LP.
Maintain knowledge of secondary-market activity and industry practices affecting underwriting quality and origination.
Meet the company’s established service-level standard of issuing decisions within 48 hours.
Communicate regularly with sales teams, processors, and management.
Assist with repurchase responses and rebuttal reviews.
Work across underwriting business channels, including Retail, CC, and Wholesale, as needed.
Maintain regular and punctual attendance.
Perform other related duties as assigned.