ResiCentral · 3 months ago
Senior Government Underwriter
United States
Full-time
Remote
Senior Level
5+ years expResiCentral is seeking a seasoned Senior Government Underwriter to review and decision loan files with precision and sound judgment. The role is responsible for ensuring the quality and integrity of underwriting decisions and processes while providing exceptional service to stakeholders involved.
CommercialConsultingFinancial Services
Responsibilities
Underwrite a full range of mortgage loans including Agency, FHA, and VA loans
Proactively manage a pipeline of loans with a sense of ownership
Review all mortgage related documentation for accuracy and completeness and meet company guidelines
Analyze and underwrite FHA and/or VA mortgage loan files, ensuring compliance with HUD Handbook 4000.1 and VA Lender Handbook requirements
Maintain up-to-date knowledge of FHA/VA guidelines and investor overlays; apply program rules accurately and consistently
Perform mortgage credit analysis, with or without the assistance of automated underwriting system, to determine borrower's willingness and ability to repay the mortgage debt. This is done by reviewing the credit package to determine mortgage amount and term, calculating required investment, determining assets available for closing, analyzing credit history, calculating proposed monthly housing expense, and recurring debt
Review credit documents for completeness and accuracy
Perform detailed review of appraisal reports
Request missing documentation necessary to complete the underwriting decision clearly and concisely
Assess borrower risk, property valuation, and potential fraud indicators; recommend conditions or alternative structures as needed to mitigate risk
Partner with Operations, Sales, and Clients to promote ResiCentral’s underwriting philosophy and provide education when needed
Develop expertise in ResiCentral’s proprietary software and internal technology platforms to streamline workflow and decisioning
Provide best-in-class client service through friendly, professional, and responsive communication with both internal and external customers
Qualification
Required
Strong knowledge of FHA and VA guidelines
Proficiency with automated underwriting systems such as DU, LPA, and Total Scorecard
Proficiency in underwriting manual FHA/VA loans
Self-starter with strong work ethic and professionalism
Team player with the ability to work independently to meet critical deadlines
Strong written/verbal communication skills
Unwavering attention to detail
Provide exemplary service in all client interactions and communications; always uphold the ResiCentral service standards and exercise good judgment
High school diploma or GED required
5+ years of experience underwriting FHA, VA, and Conventional loans
5+ years of experience reviewing Appraisal Reports
FHA Direct Endorsement (DE) designation required
VA SAR/LAPP designation required
Encompass experience required
Preferred
BA or BS highly desired
Company
ResiCentral
ResiCentral offers loan services bringing brokers and borrowers together for a fast experience at low rates.
51-200 employees
Funding
Current Stage
Growth StageRecent News
Business Wire
2025-06-03
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