Senior TPO Mortgage Underwriter

V.I.P. Mortgage•Scottsdale, AZ

15d

About The Position

Competitive bonus structure available. If you're analytical, detail-oriented, and thrive on ensuring smooth, compliant loan closings, we'd love to meet you. This is a high-energy, collaborative role where precision, competitive drive, and a passion for delivering exceptional client experiences are essential. V.I.P. Mortgage Inc.'s TPO Department is in a fast-changing environment with evol v ing turn-times, increasing use o f technol o gy, expanding product offerings, and m o re. We are looking for an underwriter who is technically strong, adaptable, flexible, and comf o rtable with rapid change while leveraging technol o gy to drive results. The ideal candidate excels at underwriting and thinks proactively about improving processes, enhancing service, and strengthening relationships.

Requirements

5+ years o f mortgage underwriting experience, particularly in a TPO, wholesale, or c orrespondent
Direct Endorsement (DE) and LAPP/SAR certifications required.
Exceptional analytical and risk-assessment skills.
High attention to detail.
Adaptability and flexibility. You should be ready to pivot as volume, priorities, and technology shift, and eager to take o n new challenges.
A strong sense of urgency. Deadlines must be met, conditions cleared, and client needs prioritized.
Excellent interpersonal and communication abilities, both verbal and written.
An o perational mindset. Organized, process-oriented, and a disciplined multitasker.
Sound judgment and team orientation. You contribute positively to both process and culture.

Nice To Haves

Deep experience with FHA, VA, USDA, HUD184, non-Agency, and/ o r o ther loan programs a plus, with eagerness to adapt as we expand offerings.
Proficiency with Encompass LOS .
Experience and c omfort with tools like Candor i s a strong plus.

Responsibilities

Underwrite 2–3+ new loans per day depending o n file type, balancing speed and accuracy to support v o lume and operational flow, leveraging tools like Candor to streamline eligible loan files.
Maintain 24-hour turn times on all files to meet business and client expectations.
Clear "Underwriting to Clear" (UTC) conditions within 24 hour s , ensuring timely progress toward closing.
Evaluate borrower files, analyzing income, credit, assets, ratios, and collateral to affirm compliance with investor, agency, FHA, VA, USDA, HFA, and other guidelines.
Stay current on guidel i ne updates, overlays, and program changes across all applicable investor and agency products.
Ensure precision in documentation, criteria, loan data, and underwriting specifics t o uphold VIP's Corporate Risk standards .
Maintain high QC scores through accurate decisioning and strong attention to detail.
Serve as an overflow r esour c e for Retail underwriting to help balance workloads across channels when needed.
Provide ongoing training support to the sales force, sharing insights, clarifying conditions, and enhancing their knowledge.
Assist Brokers and NDCs by walking through scenarios and clarifying conditions to ensure client clarity and satisfaction.
Contribute during slower periods by taking on ad hoc projects and process improvements that enhance client and AE experiences.
Embrace rapid change in technology, workflows, and turn-time standards , helping the team remain flexible and effective.
Other Duties as assigned.