Mortgage Underwriter

My City Home Loans – Where High Standards Meet High Energy

We’re not a “clock in, do one thing, clock out” kind of place.

We are a sleeves-rolled-up, solution-finding team that takes pride in clean files, smart decisions, and getting loans to the finish line the right way.

We’re looking for someone who doesn’t just underwrite loans…

You understand loans — how they’re built, how they break, and how to fix them.

This role is for the person who can:

· analyze risk

· protect the company

· keep us compliant

· AND still help structure deals that actually close

If you love guidelines, live for clean documentation, and secretly enjoy solving complicated files — you’ll fit right in.

What You’ll Be Doing

• Underwrite Conventional, FHA, VA, USDA, and specialty products
• Review files not just for approval — but for investor, regulatory, and audit readiness
• Ensure every loan can stand up to scrutiny from investors, QC, warehouse banks, and regulators
• Identify red flags, layering of risk, and documentation gaps
• Help restructure loans when needed to maintain eligibility
• Provide scenario guidance to LOs and operations
• Work closely with Processing, Closing, Secondary, and Compliance teams
• Ensure adherence to TRID, RESPA, TILA, ATR/QM, HMDA, agency guidelines, and investor overlays
• Assist with internal QC findings, trends, and process improvements

This is not just approving or declining loans… you’re a key decision-maker helping shape how the entire operation thinks, functions, and succeeds!

Who Thrives in This Role

You might be our person if:

• You understand how a loan file should look from application to purchase
• You can spot compliance issues before they become problems
• You know agency guidelines beyond surface level
• You’re comfortable pivoting when priorities shift (because they will)
• You don’t get overwhelmed by volume or complexity
• You like collaborating, not working in a silo
• You take ownership — if something’s off, you fix it
• You’re detail-obsessed but still practical
• You balance risk management with production reality.

Your Superpowers

• Strong underwriting background (agency government preferred)
• Deep knowledge of documentation standards
• Comfort with loan restructuring and creative but compliant solutions
• Excellent scenario analysis skills
• Familiarity with compliance regulations affecting mortgage lending
• Ability to explain decisions clearly and professionally
• Experience working in fast-paced environments
• Thinking outside of the box and knows how to research with proactivity

Tech savvy (Encompass/NCINO/Gateless/Sharepoint/Outlook/Teams) is a major plus.

Why You’ll Love It Here

• Your expertise actually matters
• You work with a team that supports each other
• You’ll never be bored — every file is different
• You get to use both logic and judgment
• We celebrate wins and learn from challenges
• Your role impacts the success of the entire company

Benefits:

• 401(k)
• Dental insurance
• Health insurance
• Health savings account
• Paid time off
• Retirement plan
• Vision insurance