What are the responsibilities and job description for the Mortgage Underwriter - Hybrid position at National Mortgage Staffing?
Position: Senior Loan Underwriter
Location: New York, NY (Hybrid — minimum 3 days/week in-office)
Schedule: Full-time
Compensation: $82,000–$93,000 no bonus or paid over time
Our client is seeking a senior-level loan underwriter to support mission-based affordable homeownership lending across New York State. This is a manual underwriting role with decision authority and strong regulatory accountability. The position is hybrid and intended for candidates within commuting distance of the office, with a minimum of three days per week in-office.
Responsibilities include:
• Underwrite to program guidelines including SONYMA, Fannie Mae, and Freddie Mac
• Approve, decline, suspend, or return residential mortgage submissions and document credit rationale
• Underwrite first-lien and subordinate/second mortgages, including layered subsidy/DPA structures
• Apply regulatory requirements and ensure audit-ready underwriting documentation
• Maintain underwriting SLAs/KPIs and manage a high-volume, multi-program pipeline
• Partner closely with processing, closing, management, and compliance/QC teams
• Support pipeline tracking/reporting and help expedite units and closings as needed
• Mentor and act as a technical resource to team members as needed
• Perform other duties as required
Requirements include:
• Senior-level residential mortgage underwriting experience (role requires deep experience)
• Strong knowledge of TRID/RESPA, fair lending, and related lending regulations
• Ability to independently decision loans and defend credit decisions
• Experience with affordable housing / mission-based lending programs and subsidy structures
• Proficiency with Byte LOS and standard productivity tools
National Mortgage Staffing does not set the requirements for this role. All criteria are defined by our client.