Senior Mortgage Underwriter (DE)

The Mortgage Talent Network•100% Remote Work, TX

3d•Remote

About The Position

This is a fully remote role with real decisioning authority, AI-powered workflows that have your back, and a collaborative ops team that makes fast, accurate closings the norm — not the exception. This lender has made a deliberate investment in AI-assisted tooling specifically to remove the soul-crushing manual tasks and give underwriters their professional lives back. You'll have the freedom to work from anywhere in the U.S. with a fully remote infrastructure built for it, plus a comprehensive benefits package that includes medical, dental, vision, and 401(k). What you'll actually get here is the rare combination of stability, growth, and the kind of speed and decisioning latitude that only a scaling independent lender can offer.

Requirements

Active FHA DE certification with a valid CHUMS ID — this is a firm requirement, not a preferred credential
3–5 years of continuous, frontline retail residential mortgage underwriting experience
Demonstrated mastery of both DU and LPA (Automated Underwriting Systems) and hands-on proficiency with Encompass LOS
Deep working knowledge of FHA and conventional conforming guidelines
Must be authorized to work in the United States

Nice To Haves

familiarity with VA, USDA, or bond/grant programs is a meaningful plus
A self-directed, high-accountability work style — you're energized by autonomy, not paralyzed by it, and you hold yourself to a high standard without someone looking over your shoulder
Strong interpersonal and written communication skills; the ability to explain a complex credit decision clearly to an LO is just as important as getting the decision right
Active VA SAR or LAPP authority
Experience with FHA 203k, USDA, or down payment assistance/bond programs
Jumbo or non-QM underwriting exposure
Prior experience at an independent mortgage company (IMC/IMB)

Responsibilities

Own a diverse pipeline of FHA and conventional conforming loans from submission to clear-to-close, with opportunities to underwrite VA, USDA, and bond/grant program files as volume and licensing allow
Apply sound credit judgment on complex files — income, asset, and liability layering — while leveraging automated workflows that eliminate the low-value manual work that slows most underwriters down
Serve as the strategic underwriting resource for loan officers and processors on difficult-to-structure deals, helping the team find the path to approval within guideline parameters
Maintain zero-defect quality standards across your pipeline while delivering the decisive, consistent turn times that set this lender apart in a competitive market
Stay current on agency guideline changes (FHA, Fannie Mae, Freddie Mac) and proactively share relevant updates with your production partners
Work fluently within Encompass LOS and utilize DU and LPA outputs to support accurate, well-documented credit decisions
Collaborate closely with processors, LOs, and closing teams in a high-trust, fully virtual environment — contributing to a culture where strong communication replaces micromanagement