Mortgage Underwriter - DE/SAR jobs in United States
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Rapid Mortgage Company ยท 4 weeks ago

Mortgage Underwriter - DE/SAR

positionUnited States
timeFull-time
remoteRemote
seniorityMid, Senior Level
date3+ years exp

Rapid Mortgage Company is a nationally recognized lender known for speed, service, and integrity. They are seeking an experienced DE/SAR Mortgage Underwriter to evaluate residential mortgage loan applications and ensure compliance with various standards. The role requires strong attention to detail and excellent communication skills while delivering timely and accurate underwriting decisions.

MortgageReal Estate

Responsibilities

Analyze and underwrite loan files including credit, income, assets, appraisals, title, and supporting documentation
Issue clear, concise approval, suspension, or denial decisions within delegated authority
Underwrite loans to current FHA, VA, USDA, and Conventional guidelines
Perform manual underwrites for loans that do not receive AUS Approve/Eligible findings
Interpret and evaluate complex self-employed income documentation (K-1s, Schedule C, 1120s, 1065s)
Review large deposits, verify funds for closing, and ensure adequate reserves
Communicate conditions and rationale for decisions to internal stakeholders clearly and professionally
Ensure all underwritten files meet agency, investor, and federal compliance requirements
Stay informed on changes to underwriting policies, loan products, and regulatory updates
Partner with processing and sales teams to promote a collaborative and efficient pipeline

Qualification

DE (FHA) designationSAR (VA) designationEncompass Loan Origination SystemAUS platforms DUAUS platforms LPMortgage underwriting experienceDPA programs experienceAnalytical skillsAttention to detailTime managementCommunication skills

Required

Minimum 3+ years of current mortgage underwriting experience
Active DE (FHA) or SAR (VA) designation
Experience underwriting DPA (Down Payment Assistance) programs
Proficiency with Encompass Loan Origination System
Experience analyzing complex borrower profiles, including self-employed borrowers and layered risk
Strong working knowledge of AUS platforms (DU and LP) and ability to assess manual files when necessary
Deep understanding of current investor, agency, and compliance guidelines
Exceptional analytical skills, attention to detail, and time management
Ability to work independently in a fast-paced remote environment
Excellent written and verbal communication skills
No more than a 16-month gap in mortgage underwriting experience- if gap applies must have stayed up to date on market trends and newest guidelines
Must have current or recent loan-level underwriting authority (not a trainee or shadowing role)
Encompass and AUS experience is required

Preferred

Having both DE (FHA) and SAR (VA) designation is strongly preferred

Benefits

Medical, Dental, and Vision Insurance available day 1
Company-Paid Life and Long-Term Disability Insurance
401(k) Retirement Plan with Company Match
Paid Time Off (PTO) + Paid Holidays
Career growth opportunities and continuing education support
Supportive, collaborative remote team culture

Company

Rapid Mortgage Company

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Rapid Mortgage Company is a locally based mortgage lender, even our owner is a local resident.
dateFounded in 2002
location
Cincinnati, Ohio, USA
people-size201-500 employees
web-link
http://rapidmortgagecompany.com/

Funding

Current Stage
Growth Stage

Leadership Team

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Kyle Shea
Chief Information Officer
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Company data provided by crunchbase