Mortgage Underwriter

Job Description

• To evaluate and underwrite all mortgage loan types offered by the Credit Union according to specific state and federal requirements to limit the risk exposure of company's equity portfolio.
• To analyze required loan documentation and information presented in the equity loan request, to condition and make appropriate loan decisions based on the acceptability of the credit risk using established guidelines of the Credit Union, secondary market investors, and applicable state and government regulations.
• Works on assignments requiring judgement in resolving issues or making recommendations.
• Underwrite VA, FHA and Conventional Loans
• Analyze credit and credit reports independent of scoring systems to confirm loan eligibility
• Analyze exceptions and rejections; recommend alternative mortgage products better suited to the loan applicant
• Approve mortgage loans and authorize loan disbursements based on a complete analysis of submitted documentation and applicable rules and regulations
• Collaborate with managers and participate in mentoring sessions for Mortgage Processors, Mortgage Closers and Mortgage Loan Officers
• Collaborate with training team to maintain the on-line manual to ensure all guidelines are conveyed accurately and consistently
• Determine the acceptability and marketability of the real estate property to ensure there is sufficient collateral to secure the loan
• Evaluate assets needed to close the loan and determine the acceptability and adherence to investor requirements
• Perform secondary review of loans that are suspended and/or declined
• Basic research/review
• Prepare and present counter-offers on marginal loans; prepare adverse action (loan disapproval) notifications, with awareness of the compliance provisions of the regulatory agencies
• Review and evaluate documents to ensure adherence to NCUA, USPAP and all other relevant industry guidelines to ensure loan acceptance
• Review/understand effects of contracts related to real estate, such as age restrictions, HOAs, etc.
• Work closely and collaboratively with loan originator and processor to ensure all appropriate data is obtained
• Perform other duties as assigned
  
  
  

Qualifications And Requirements

• MINIMUM OF 1-3 years of recent MORTGAGE UNDERWRITING experience is REQUIRED
• Associates or Bachelors degree preferred; High School Diploma required
• Proficient in Microsoft Office Suite
• Proficient in computer literacy
• Proficient and strong data entry skills
• Strong written and verbal communication skills
  
  
  

Location: Vienna, VA -

HYBRID schedule 2 days a week onsite required

Hours: Full Time, 40 hours per week.

Monday-Friday 8:00am-4:30pm CST

Training Hours (first 3 weeks): Monday-Friday

7:30am-4pm CST

Pay based on years of underwriting experience

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Job Type & Location

This is a Contract to Hire position based out of Winchester, VA.

Pay And Benefits

The pay range for this position is $19.29 - $36.29/hr.

Eligibility requirements apply to some benefits and may depend on your job classification and length of employment. Benefits are subject to change and may be subject to specific elections, plan, or program terms. If eligible, the benefits available for this temporary role may include the following:

• Medical, dental & vision
• Critical Illness, Accident, and Hospital
• 401(k) Retirement Plan – Pre-tax and Roth post-tax contributions available
• Life Insurance (Voluntary Life & AD&D for the employee and dependents)
• Short and long-term disability
• Health Spending Account (HSA)
• Transportation benefits
• Employee Assistance Program
• Time Off/Leave (PTO, Vacation or Sick Leave) Workplace Type This is a hybrid position in Winchester,VA. Application Deadline This position is anticipated to close on Jan 23, 2026. h4>About TEKsystems: We're partners in transformation. We help clients activate ideas and solutions to take advantage of a new world of opportunity. We are a team of 80,000 strong, working with over 6,000 clients, including 80% of the Fortune 500, across North America, Europe and Asia. As an industry leader in Full-Stack Technology Services, Talent Services, and real-world application, we work with progressive leaders to drive change. That's the power of true partnership. TEKsystems is an Allegis Group company.
  
  
  

The company is an equal opportunity employer and will consider all applications without regards to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law.

About TEKsystems And TEKsystems Global Services

We’re a leading provider of business and technology services. We accelerate business transformation for our customers. Our expertise in strategy, design, execution and operations unlocks business value through a range of solutions. We’re a team of 80,000 strong, working with over 6,000 customers, including 80% of the Fortune 500 across North America, Europe and Asia, who partner with us for our scale, full-stack capabilities and speed. We’re strategic thinkers, hands-on collaborators, helping customers capitalize on change and master the momentum of technology. We’re building tomorrow by delivering business outcomes and making positive impacts in our global communities. TEKsystems and TEKsystems Global Services are Allegis Group companies. Learn more at TEKsystems.com.

The company is an equal opportunity employer and will consider all applications without regard to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law.