Senior Mortgage Loan Underwriter
About The Position
New Hampshire Housing’s mission is to promote, finance, and support housing solutions for the people of New Hampshire. We have empowered over 55,000 families to achieve their dream of homeownership and have played a pivotal role in funding the development of over 16,000 multifamily housing units. Our dedicated team manages thousands of Housing Choice Vouchers annually. We’re on a mission, and we want your expertise! Do you enjoy underwriting mortgages and helping families achieve homeownership in New Hampshire? Are you interested in bringing your expertise to a mission-driven organization that makes a real impact? If so, we’d love to meet you. We’re hiring a full-time Senior Mortgage Loan Underwriter for our Homeownership Division. As the Senior Mortgage Loan Underwriter, you will play a key part in advancing our mission by making thoughtful, responsible lending decisions that open doors for New Hampshire residents.
Requirements
- At least five years relevant work experience (in residential lending, reviewing credit documentation and underwriting to agency and investor guidelines) or an equivalent combination of education and experience.
- Demonstrated knowledge of all eligibility and underwriting requirements (law, regulations, policies, and guidelines) set by the agencies.
- Underwriting experience required.
- FHA Direct Endorsement designation required. VA SAR designation highly preferred, knowledge of VA guidelines required.
- Experience with Encompass preferred.
- Strong knowledge of Microsoft Office Suite.
- Ability to read, write and speak English at a proficient level.
Nice To Haves
- VA SAR designation highly preferred
Responsibilities
- Own the underwriting process end-to-end for residential loan applications, thoughtfully evaluating income, assets, credit, and employment to make informed, responsible lending decisions.
- Make confident credit decisions aligned with NH Housing and agency guidelines, delivering timely approvals and clear, well-supported denials.
- Partner closely with processors and loan officers to keep files moving, communicating proactively to gather information, resolve questions, and maintain momentum.
- Act as a trusted advisor to participating originators, offering creative, practical solutions and guidance to structure loans that work for both borrowers and program requirements.
- Build strong relationships with external partners, serving as a go-to resource for issue resolution while collaborating across teams to support lenders and originators effectively.
Benefits
- Competitive salary
- Multiple high-quality health insurance options
- Vision plan
- Employer-paid dental plan
- Employer-paid disability insurance
- Employer-paid life insurance
- Undergrad and Graduate tuition reimbursement
- Student loan repayment assistance
- Two retirement plans with employer contributions to both
- Flexible work schedules with remote/hybrid work options
- Generous and flexible PTO plan
- Paid volunteer time
- Paid parental leave
- Fitness rewards and reimbursement programs
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What This Job Offers
Job Type
Full-time
Career Level
Senior
Education Level
No Education Listed
