LoanPeople · 4 months ago
Underwriter - Accepting Resumes for Future Hires
United States
Full-time
Remote
Senior Level
5+ years expLoanPeople is a mortgage company headquartered in Austin, TX, seeking an experienced Mortgage Underwriter to review and decision various loan types. The role involves ensuring compliance with guidelines while working closely with loan officers to support efficient underwriting decisions.
Commercial LendingFinancial ServicesReal Estate
Responsibilities
Underwrite a minimum of three new loan submissions per day, plus resubmissions, meeting internal quality and compliance standards
Analyze and calculate income (including self-employment income) per agency/investor guidelines
Underwrite Conventional, FHA, VA, and USDA loans
Review and decision loans based on credit, income, asset, and collateral analysis
Recommend alternative loan structuring options for challenging scenarios
Evaluate appraisals and collateral using tools such as Collateral Underwriter and Loan Collateral Advisor
Respond to investor and auditor inquiries or conditions in a timely manner
Ensure accurate and complete data input into LOS and AUS (1008, LT, LA, AUS, funding conditions)
Stay informed on investor, agency, and internal underwriting updates and guidelines
Communicate underwriting decisions clearly to processing and sales teams
Contribute to a positive, collaborative team environment
Qualification
Required
5+ years of mortgage underwriting experience with FNMA, FHLMC, and investor guidelines
Proficient with AUS and manual underwriting (DU, LP, GUS)
Direct experience underwriting Conventional, FHA, VA, and USDA. Experience underwriting non-conforming/jumbo loans a plus
Comprehensive knowledge of Non-QM and Jumbo loan products, including guidelines, structuring, and eligibility requirements
CHUMS ID (active for the past 3 years; held for at least 5 years)
SAR designation (active for the past 3 years; held for at least 5 years)
Sign-off authority up to conforming loan limits for 1-unit properties
Comfortable working with investor-specific guidelines (e.g., Amerihome, Chase, Wells Fargo, PennyMac)
Familiar with AllRegs, Microsoft Office, Loan Origination Systems
Strong knowledge of: Agency loan guidelines (FHA, VA, USDA, Conventional), Credit and income analysis, including self-employed borrower income, Texas-specific loan types, including Texas A6 and A4 F(2) refinances, Real estate collateral valuation and risk assessment
Exceptional attention to detail and time management
Strong written and verbal communication skills
Professional, collaborative, and service-oriented demeanor
Ability to work independently and manage multiple files under deadline
Benefits
Health insurance
401(k)
Flexible time off
Company
LoanPeople
LoanPeople specializes in conventional loans and commercial lending services.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Dana Leaman
Chief Marketing Officer
Company data provided by crunchbase