Government Underwriter

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🚀 About Us

At eLEND , we're committed to helping borrowers achieve homeownership by delivering exceptional lending solutions while maintaining the highest standards of credit quality, compliance, and operational excellence. Our Government Underwriting team is at the center of that mission, making sound lending decisions that balance responsible risk management with an outstanding customer experience.

As we continue to expand our Government Lending division, we're looking for a Government Underwriter who wants more than just the next job—we're looking for someone who wants to grow into a Government Underwriter Team Lead and eventually take on broader leadership responsibilities as our organization continues to scale.

🌟 Why This Role Matters

The Government Underwriter is responsible for analyzing, evaluating, and approving FHA, VA, USDA, and Conventional mortgage loan applications while ensuring compliance with agency, investor, and company guidelines.

This role offers a unique opportunity to become a subject matter expert, mentor peers, influence underwriting best practices, and grow into a leadership position. As you demonstrate strong production, quality, collaboration, and leadership capabilities, you'll have the opportunity to progress into a Government Underwriter Team Lead , helping shape the future of our underwriting organization.

🚀 Career Growth Opportunity

We believe in promoting from within and developing future leaders.

Successful candidates will have the opportunity to grow into a Government Underwriter Team Lead , where responsibilities may include:

• Mentoring and coaching Government Underwriters. • Serving as the underwriting subject matter expert for FHA, VA, and USDA products. • Assisting with workload balancing and pipeline management. • Supporting training and onboarding of new Underwriters. • Reviewing complex loan scenarios and providing guidance. • Partnering with leadership on process improvements and quality initiatives. • Assisting with production reporting and operational metrics. • Participating in special projects, investor implementations, and regulatory updates. • Helping build a high-performing underwriting culture focused on quality, collaboration, and customer experience.

🛠️ Key Responsibilities

🏡 Government Mortgage Underwriting

• Analyze FHA, VA, USDA, and Conventional mortgage loan applications to determine creditworthiness and eligibility. • Review loan-to-value (LTV), debt-to-income (DTI), credit reports, income documentation, assets, employment history, and supporting documentation. • Calculate borrower income and evaluate repayment capacity. • Review DU, LPA, and agency underwriting findings. • Structure loans that meet agency, investor, and company guidelines. • Identify potential credit risks and make sound underwriting decisions. • Issue loan approvals, suspensions, and denials with clear underwriting conditions.

📑 Loan File Review & Documentation

• Review mortgage loan files for completeness, accuracy, and compliance. • Evaluate residential appraisals and supporting collateral documentation. • Request additional documentation when necessary to support loan eligibility or collateral value. • Ensure underwriting documentation is complete prior to final approval. • Maintain accurate underwriting notes and loan file integrity throughout the underwriting process.

🤝 Collaboration & Customer Experience

• Partner closely with Loan Officers, Processors, Closers, Sales, and Operations teams throughout the loan lifecycle. • Communicate underwriting decisions clearly and professionally. • Provide guidance regarding loan structure, agency requirements, and underwriting conditions. • Work directly with borrowers, real estate agents, and third-party partners when clarification is required. • Proactively identify issues early to prevent delays and improve borrower satisfaction. • Help create a seamless experience from application through closing.

⚖️ Compliance & Risk Management

• Ensure compliance with FHA, VA, USDA, Conventional, investor, and company underwriting guidelines. • Maintain current knowledge of agency updates, federal regulations, and investor overlays. • Review and mitigate Quality Control findings. • Ensure all underwriting decisions comply with Fair Lending, TRID, RESPA, ECOA, HMDA, and other applicable regulations. • Maintain the highest standards of underwriting quality and consistency.

📈 Operational Excellence

• Manage an active underwriting pipeline while meeting production and quality goals. • Utilize Encompass and other Loan Origination Systems to document underwriting decisions. • Prioritize multiple files while meeting service-level expectations. • Support workflow improvements and underwriting process enhancements. • Participate in departmental initiatives designed to improve efficiency, quality, and customer experience. • Perform additional responsibilities that support business needs.

🌱 Leadership Development

As part of your career growth, you'll have opportunities to:

• Mentor junior underwriters and new team members. • Assist with training and knowledge-sharing initiatives. • Participate in underwriting calibration sessions. • Lead process improvement projects. • Partner with Operations leadership on workflow optimization. • Represent the Government Underwriting team in cross-functional initiatives. • Build leadership skills through coaching and development opportunities. • Prepare for advancement into a Government Underwriter Team Lead role.

🎯 What You Bring

• Minimum of 5+ years of Government Mortgage Underwriting experience. • Strong knowledge of FHA, VA, USDA, and Conventional underwriting guidelines. • Excellent analytical and credit risk assessment skills. • Strong decision-making and problem-solving abilities. • High attention to detail and commitment to quality. • Excellent verbal and written communication skills. • Strong organizational and time management skills. • Ability to manage multiple priorities in a fast-paced environment. • Passion for mentoring others and growing into a leadership role. • Positive attitude with a collaborative, team-first mindset.

⭐ Preferred Qualifications

• DE (Direct Endorsement) Certification preferred. • VA SAR/LAPP authority preferred. • Experience underwriting FHA, VA, USDA, and Conventional loans. • Experience using Encompass Loan Origination System. • Prior experience mentoring or training teammates. • Experience working in a high-volume production underwriting environment. • Knowledge of investor overlays and Quality Control processes. • Leadership experience or demonstrated leadership potential strongly preferred.

📆 A Day in the Life

Your day may include:

• Reviewing FHA, VA, USDA, and Conventional loan files. • Calculating borrower income and analyzing credit risk. • Reviewing appraisals and collateral documentation. • Issuing underwriting decisions and clearing conditions. • Communicating with Loan Officers, Processors, and Closers. • Helping resolve complex loan scenarios. • Coaching teammates on underwriting questions. • Participating in process improvement initiatives. • Managing your underwriting pipeline while maintaining exceptional quality standards. • Contributing ideas that improve both team performance and the borrower experience.

💼 Worksite

Remote – U.S. Based Candidates

This role operates within a highly collaborative environment across Underwriting, Processing, Closing, Sales, Quality Control, Compliance, and Operations teams.

• Frequent collaboration through Microsoft Teams, email, and virtual meetings. • Fast-paced environment supporting Government mortgage underwriting operations. • Opportunity to build leadership skills while contributing to a growing underwriting organization. • Clear career progression into a Government Underwriter Team Lead role based on performance, leadership, and business growth. • Reasonable accommodations are available as needed.

💰 Compensation & Benefits

• Competitive base pay-  $42.00-$54.00/hr • Performance-based incentive opportunities • Leadership development and internal promotion opportunities • Comprehensive Medical, Dental & Vision Coverage • 401(k) Program with company match • Paid Time Off & Company Holidays • Professional Development & Continuing Education • Career Growth within Mortgage Operations and Underwriting Leadership • Collaborative, innovative, and high-performing team environment

🌈 Equal Opportunity for All

At eLEND , we're committed to building a diverse, inclusive, and innovative workplace where every employee can thrive. We believe in developing talent from within and providing meaningful opportunities for career advancement. Employment decisions are based on qualifications, performance, experience, and business needs while providing equal opportunities for all individuals regardless of race, color, religion, sex, national origin, age, disability, veteran status, sexual orientation, gender identity, or any other protected characteristic.