NW Recruiting Partners · 2 days ago
Mortgage Lending Underwriter – Residential Loans (Non-QM & Jumbo)
Greater Seattle Area
Full-time
Onsite
Senior Level, Lead/Staff
$85K/yr - $100K/yr
8+ years expNW Recruiting Partners is a lender focused on residential and construction mortgages, seeking a Mortgage Lending Underwriter to join their team. The role involves reviewing complex mortgage applications, making underwriting decisions based on credit risk and lending guidelines, and ensuring compliance with policies and regulations.
Staffing & Recruiting
Hiring Manager
Gayle Luchini, PHR
Responsibilities
File Triage: Scrub mortgage packages for completeness and quality, pulling insights from income docs, statements, and credit data
Credit Judgment: Weigh borrower strength, deal context, and capacity to repay to form a clear go/no-go view
Policy Alignment: Keep decisions inside house credit guardrails, investor expectations, and applicable regs
Decision Messaging: Deliver outcomes and rationale to origination and ops so everyone knows the “why” and next steps
Valuation & Collateral Check: Validate property reports and supporting materials against program criteria and valuation logic
Disposition Calls: Greenlight, rework, or decline based on quantified risk and compensating factors
Market & Rule Tracking: Monitor shifts in underwriting norms, product overlays, and regulatory updates; adjust practices accordingly
Exit Financing Matchmaking: Pair eligible files with the right permanent/agency programs to ensure a viable take-out
Workflow Partnering: Coordinate with internal counterparts to keep files moving and cut cycle time
Qualification
Required
At least 8 years of experience in mortgage underwriting (including conventional, non-QM, and construction loans)
Bachelor's degree or equivalent experience in finance or related field
Strong knowledge of underwriting principles, risk assessment, and industry regulations
Experience with Encompass and must have manual underwriting experience
Excellent analytical, communication, and problem-solving skills
Detail-oriented with the ability to meet deadlines under pressure
Benefits
Medical, Dental, and Vision Insurance
Annual bonus
401k with a 3% match
Company
NW Recruiting Partners
We are a full-service boutique recruiting firm based on the West Coast, catering to a diverse range of clients, from start-ups to Fortune 500 corporations.
11-50 employees
Funding
Current Stage
Early StageCompany data provided by crunchbase