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Ruoff Mortgage · 2 months ago

Remote DE FHA Underwriter

United States

Full-time

Remote

Mid Level

$70K/yr - $80K/yr

3+ years exp

Ruoff Mortgage is hiring an experienced DE FHA Underwriter to join our remote Credit Underwriting Team. This role involves reviewing both government and conventional mortgage loan applications to ensure compliance, creditworthiness, and investor eligibility, supporting fast, accurate closings.

BankingFinancial ServicesMortgageReal Estate

Responsibilities

Underwrite FHA, VA, and conventional mortgage loans

Ensure loans meet company, investor, and agency guidelines

Analyze full credit packages and verify loan quality

Recommend decisions on loans exceeding authority levels

Support processors and correspondents with guideline interpretation

Respond to post-closing audits and quality control reviews

Assist with training of new underwriters when needed

Maintain a professional image and standard consistent with company policies and procedures

Responsible for a high level of confidentiality and security while handling company information; verbal and/or written documentation

Perform other tasks as requested

Qualification

DE/FHA CertificationMortgage Underwriting ExperienceFHA/VA Underwriting GuidelinesMicrosoft OfficeCommunication SkillsOrganizational SkillsCritical ThinkingDetail-Oriented

Required

3+ years of mortgage underwriting experience

DE/FHA Certification

Strong verbal and written communication skills, with the ability to interpret legal documents and explain details to both technical and non-technical staff

Excellent organizational skills with the ability to manage multiple files and priorities simultaneously while maintaining accuracy

Proficient in identifying and resolving discrepancies, understanding relevant lending laws and regulations, and performing accurate financial calculations

Tech-savvy and able to quickly learn and adapt to new systems and underwriting tools

Critical thinker with sound judgment and decision-making ability under deadlines

Self-motivated, goal-oriented, and committed to delivering high-quality work

Detail-oriented with strong recordkeeping and document retrieval skills

High attention to detail and quality control

Proficient in Microsoft Office (Word, Excel, Outlook)

HS diploma required