Total Quality Lending · 4 hours ago
Mortgage Underwriter
Carmel, IN
Full-time
Onsite
Entry, Mid Level
2+ years expTotal Quality Lending (TQL) is a purpose-driven, family-owned mortgage bank dedicated to helping American families build wealth through real estate. They are seeking a Mortgage Underwriter who will independently underwrite loan products and ensure compliance with internal guidelines and investor requirements, while maintaining a smooth loan pipeline.
Consumer LendingFinancial ServicesInsurance
Hiring Manager
Andrew J Schulz 🧑🚀
Responsibilities
Independently underwrite loan products
Review borrower credit, income, asset, and collateral documentation to ensure compliance with internal guidelines and investor requirements
Conduct manual credit reviews and make sound risk-based decisions on complex scenarios, including real estate investors, self-employed borrowers, LLCs, STRs, and layered entities
Serve as a Subject Matter Expert (SME) by assisting loan officers and processors in structuring eligible loans and interpreting guidelines
Maintain deep knowledge of changing programs, investor updates, and regulatory requirements
Accurately condition and clear loans in a timely manner to ensure speed-to-close while protecting loan quality
Partner with operations and sales teams to ensure smooth, transparent, and fast-moving loan pipelines
Qualification
Required
2+ years of residential underwriting experience
Highly proficient with Encompass LOS
Communicate clearly, professionally, and confidently with both internal teams and external partners
Thrive in a fast-moving environment with high ownership and autonomy
Looking for a long-term home with upward growth potential
Based in or open to relocating to Carmel, IN (in-person required)
Benefits
Health
Dental
Vision
HSA
Life Insurance
PTO
Company
Total Quality Lending
Total Quality Lending offers FHA, conventional, reverse mortgage, VA, refinancing, investment properties, and jumbo loans.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Chris Paliska
Chief Executive Officer
Becky Frempter
Chief Operating Officer
Company data provided by crunchbase