Conventional Underwriter

Brief Description

The Team

At Kind Lending, our family of diverse and talented Kind Ambassadors are the driving force behind our new approach to the mortgage experience. They're the heart and soul of the organization and our "People Before Profits" mentality shines through in every department. Kind Lending is growing and is looking for top mortgage professionals who value opportunity, lasting business partnerships, and who live out our KIND mindset. Kind Lending is determined to provide the best service in the industry while also providing homebuyers with a great selection of products to enhance their buying experience. Backed by our trusted leadership team, Kind Lending's friendly and professional model puts the “fun” in funding.

Position Summary

The Conventional Underwriter is responsible for evaluating and analyzing residential mortgage loan applications for conventional loan products to determine creditworthiness and eligibility for approval under FNMA and FHLMC guidelines. This role assesses risk by reviewing financial documentation, credit history, income, assets, and property information to ensure all loans meet applicable investor, agency, and regulatory requirements. Conventional Underwriters provide timely credit decisions and condition reviews while maintaining a strong commitment to accuracy, consistency, and compliance.

Responsibilities

• Evaluate borrower creditworthiness for conventional loan applications in accordance with FNMA and FHLMC guidelines, investor overlays, and applicable regulatory requirements.
• Review and evaluate the full borrower profile including all income documentation types, credit reports, assets, preliminary title reports, and appraisals.
• Analyze and calculate income using documentation such as personal and business tax returns, pay stubs, W-2s, and year-end earnings statements to support final loan decisions.
• Utilize Desktop Underwriter (DU) and Loan Product Advisor (LPA) findings to guide underwriting decisions and apply manual underwriting standards where applicable.
• Review appraisal reports and property documentation to confirm collateral meets FNMA and FHLMC eligibility and acceptability requirements.
• Assess mortgage insurance requirements and confirm appropriate MI coverage levels are in place in accordance with investor guidelines.
• Issue clear, actionable underwriting decisions and conditions using standard condition language aligned with FNMA, FHLMC, and investor overlay requirements.
• Provide decisions and review loan conditions within established SLAs (threshold: 2 new files and 5–6 condition reviews per day).
• Communicate underwriting decisions and complex file guidance to Account Managers and Brokers in a timely and service-focused manner.
• Determine accuracy and completeness of loan files and ensure consistent application of conventional underwriting processes.
• Manage QC findings by responding to and rebutting items to assist with clearing investor or internal audit findings.
• Stay current with FNMA, FHLMC, MI provider, and investor guideline updates through ongoing training and continuing education.
• Document underwriting rationale thoroughly in the LOS to support audit, QC, and investor review.
• Exercise sound judgment and issue quality decisions within written policy and standard operating procedures.
  
  

Qualifications

• Minimum of 3 years' experience as a conventional mortgage underwriter in a wholesale or retail lending environment.
• High School diploma or equivalent required; college education preferred.
• In-depth knowledge of FNMA and FHLMC products, guidelines, and selling guides.
• Proficiency with Desktop Underwriter (DU) and Loan Product Advisor (LPA) automated underwriting systems.
• Proficiency with various income types including W-2, self-employment, variable income, rental income, and retirement/asset depletion.
• Proficient understanding of conventional loan program products, services, policies, and eligible property types.
• Familiarity with MI (mortgage insurance) requirements, eligibility, and coverage levels across FNMA and FHLMC programs.
• Familiarity with title commitments, preliminary title reports, and acceptable collateral documentation standards.
• Familiarity with closing, funding, and post-closing departments.
• Experience working within a Loan Origination System; preferred knowledge of Blue Sage.
• Excellent customer service, communication, organizational, analytical, and problem-solving skills.
• Strong attention to detail with the ability to efficiently and consistently produce accurate work.
• Capability to multi-task in a fast-paced environment with a high volume of transactions.
• Sound judgment skills essential to making quick decisions within written policy and standard operating procedures.
• Proven aptitude to work effectively in both team and individual environments.
• Proficiency with Microsoft Office Suite (Word, Excel, Outlook) and standard internet browsers.
  
  

Pay Disclosure

The starting base salary pay range for this position is $33.65/hr. The actual base is dependent on many factors such as: work experience, business needs, market demands, and other compensation components. The base pay range is subject to change and may be modified in the future.

Disclaimer Statement

This job description is not intended, nor should it be construed to be an exhaustive list of all responsibilities, duties, skills, or working conditions associated with a job. It is intended to be a general description of the principal requirements common to positions of this type.

Work Authorization

Must be able to verify identity and employment eligibility to work in the U.S. without a visa sponsorship.

Other Duties

This job profile is not intended to be an all-inclusive list of job duties and responsibilities, as one may perform additional related duties as assigned to meet the needs of the organization.

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Must be able to lift up to ten pounds. Primary functions require sufficient physical ability and mobility to work in an office setting; to stand or sit for prolonged periods of time; to occasionally stoop, bend, kneel, crouch, reach, and twist; to lift, carry, push, and/or pull light to moderate amounts of weight; to operate office equipment requiring repetitive hand movement and fine coordination including use of a keyboard; and to verbally communicate to exchange information. VISION: See in the normal visual range with or without correction. HEARING: Hear in the normal audio range with or without correction.

Kind Lending is an Equal Opportunity Employer committed to workforce diversity. Qualified applicants will receive consideration without regard to race, religion, creed, color, orientation, gender, age, national origin, veteran status, disability status, marital status, sexual orientation, gender identity, or gender expression.

• For your security, Kind Lending will only contact you from email addresses ending in kindlending.com. Emails from any other domain should be treated as suspicious and may be phishing attempts.