Strategic Underwriting Specialist

Responsibilities

• Cover underwriter pipelines during planned and unplanned absences, including vacation, leave, and other time‑off scenarios.
• Absorb overflow loan volume across multiple teams to ensure production targets and service level commitments are met.
• Review and update loan files upon return from closing for any changes, adjustments, or outstanding conditions requiring resolution.
• Identify and correct time‑entry discrepancies and other issues in Workday in coordination with team managers.
• Operate as a floater across multiple underwriting teams, adapting quickly to varying pipelines, team structures, and lender overlays.
• Underwrite loans across all agency product types in compliance with applicable guidelines, investor requirements, and company policies.
• Maintain clear, timely communication with VP of Underwriting, team managers, and support staff regarding pipeline status and priority items.
• Uphold all quality standards and regulatory requirements consistent with the organization's underwriting practices.
• Work remotely with a reliable internet connection and maintain a professional home office environment.
• Maintain availability during standard business hours with flexibility for peak production periods and occasional overtime.

Requirements

• 5+ years of front‑line mortgage underwriting experience across all agency product types
• Active DE (Direct Endorsement), SAR (Staff Appraisal Reviewer), and LAPP (Lender Appraisal Processing Program) certifications
• Experience with Encompass LOS, preferred
• Experience in a floater, lead underwriter, or senior underwriter capacity, preferred
• Experience working in a high‑volume, dynamic production environment, preferred
• Advanced knowledge of agency guidelines, AUS findings (DU/LP), and investor overlays
• Demonstrated proficiency in underwriting Conventional, FHA, USDA, and VA loan products
• Familiarity with Workday HR/time management platform, preferred
• Skilled in managing multiple pipelines simultaneously across different teams and priorities
• Excellent attention to detail with a record of delivering accurate, high‑quality underwriting decisions
• Excellent communication skills; independently effective in a remote environment.

Core Competencies

Demonstrates extensive mortgage underwriting expertise with a focus on agency product types, compliance with guidelines, and effective communication in a remote work environment. Proficient in managing multiple pipelines and delivering high‑quality underwriting decisions under pressure.