Senior Underwriter

We're searching for some really great people who enjoy customers as much as we do.

Named as one of Puget Sound Business Journal’s Best Places to Work three years running, 2021, 2022 and 2023. We are a certified Great Place to Work™ and were named a Best Workplace eight times, most recently in 2024 in the Financial Services and Insurance category.

Check out our rating at:  Working at Evergreen Home Loans | Great Place To Work®

Wow happens every day at Evergreen.  Our vision is centered on changing the world one relationship at a time.  

Learn more about us on our website here.

Discover what’s possible with Evergreen.

We're looking to add people who feel the same way we do about our customers, our associates, and the work we do.  In return, you'll be part of a growing, contemporary company that rewards creative thinking and believes in helping you get to where you want to be.  You'll also enjoy a comprehensive benefits package and an attractive 401K plan to help you grow along with us!

The Senior Underwriter underwrites mortgage loan applications - evaluating loans to determine credit risk. Minimizes risk and loss, as well as ensuring eligibility for sale to the secondary market.  Reviews property appraisal to determine acceptability of collateral.

Essential Duties and Responsibilities:

• Underwrite FHA, VA, USDA, and Conventional loans, including evaluation of property and appraisal.
• Provide guidance and mentoring to Loan Coordinators (processors) and fellow underwriters.
• Provide back-up underwriting to other underwriters within the department, as necessary.
• Assist Loan Officers and Loan Coordinators with borrower qualifying scenarios.
• Keep current on FHA/VA/USDA/Conventional changes and underwriting guidelines.
• Proficient in underwriting automated systems: LP, DU, GUS, & others.
• Assist in clearing underwriting conditions and meeting doc draw, funding, and lock dates.
• All functions shall be conducted in a manner keeping with the spirit and intent of EHL’s Guiding Values, Balanced Stewardship, and Convictions.
• Responsible for proactive communication with management, operations, and production, with respect to challenges or opportunities on loan files.
• Promptly respond to Quality Control Audits from internal departments as well as outside agencies.
• Ability to problem solve and seek solutions to challenges that arise during the underwriting of a loan.
• Adhere to applicable agency, investor, and internal credit and property guidelines. 
• Provide turn-times that meet or exceed company expectations/Service Level Agreements.  
• Provide continuous customer service to all loan production staff.
• Other duties as assigned.

Performance Expectations: 

• Perform all actions in accordance with the Mission, Vision, and Convictions of EHL.
• Provide a “WOW” experience and effectively communicate with associates, clients, partners, and vendors via phone, written communication and/or in person.
• Seek Feedback: Host regular and timely communication with associates and Manager.
• Be willing to assume additional responsibilities/duties/projects as they arise.
• Have strong organization skills, the ability to learn quickly, and accuracy/timeliness in completing tasks.
• Perform all actions in accordance with policies and procedures of the company.
• Expected to meet productivity guidelines of the position.
• Effectively use software specific for the position and Microsoft office products.
• Work well with other members of the EHL team and be willing to fill in when needed.

Specific Skills/ Knowledge/ Abilities Required for Position:

• High School Graduate or equivalent
• Minimum 5 years mortgage Underwriter in all aspects of FHA, VA, USDA, and conventional lending
• Must possess current government certifications in FHA CHUMS, VA LAPP & SAR, & USDA Conventional loans
• Good knowledge of property appraisal standards and what minimum property requirements of given loan types and investors
• Exercise good judgment and strong character, motivated, hard working.
• Ability to work well with fellow associates, clients and vendors.

Physical Requirements:

• Requires all forms of dexterity and mobility throughout the shift, which may include extended periods of sitting and/or standing.  Occasionally required to reach with hands and arms, twist, climb or balance, stoop, kneel crouch or crawl.
• Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral, depth perception and the ability to adjust focus.
• Must be able to speak and hear, lift and carry up to twenty-five pounds (25 lbs.) or occasionally more. 
• Ability to work in a fast-paced, occasionally noisy environment. 
• May be required to drive for business purposes and if so, must hold a driver’s license in good standing and maintain personal auto insurance in compliance with EHL’s Auto Insurance policy.

Compensation:

The hourly rate for this position ranges from $28.08 - $54.07 per hour plus bonus potential depending on a number of factors including location and experience.

Benefits and Perks:

Eligible associates (and their families) have the option to enroll in medical, dental, and/or vision coverage of which both the associate and the company contribute towards expenses. Basic Life/AD&D insurance for eligible associates as well as a Short-term Disability benefit are provided by Evergreen.  Additional Voluntary Life/AD&D, Long-term Disability benefits and Legal/ID protection plans paid for by the associate are also available. Associates are automatically enrolled in Evergreen’s 401(k) plan. Personal Time Off (PTO) of up to 13.34 hours may be earned monthly and associates may enjoy 9 paid holidays each year. Paid voluntary day of work, company matching on charitable donations and mortgage loan benefit.

Evergreen is an equal opportunity employer and E-Verify employer.www.Evergreenhomeloans.com

Equal Housing Lender

©2025 Evergreen Moneysource Mortgage Company® dba Evergreen Home Loans NMLS ID 3182. 15405 SE 37th Street, Suite 200 Bellevue, WA 98006 Equal Housing Lender. AZ Mortgage Banker License #0910074; CA Licensed by the DFPI under the CRMLA #4130291; NV Mortgage Company License 4837. Evergreen Home Loans does not represent HUD or FHA and the information provided here was not authored, approved, or endorsed by HUD or FHA. For individual and company license information visit www.nmlsconsumeraccess.org.

Salary : $28 - $54