Mortgage Underwriter (Mortgage Lending)

Location: Hybrid; available at locations in Pensacola, Florida; Winchester, Virginia; San Diego, California; Jacksonville, Florida; North Richland Hills, Texas; Virginia Beach, Virginia; and Sandy Springs, Georgia, United States.

Salary: $25.34–$38.85 per hour

Company

hirify.global provides financial services and mortgage products to its members.

What you will do

• Evaluate and underwrite mortgage loans according to NFCU, investor, state, and federal requirements.
• Analyze borrower income, assets, credit documentation, and self-employed financial records to determine loan eligibility.
• Approve loans, authorize disbursements, and assess the acceptability and marketability of real estate collateral.
• Review exceptions, suspended or declined loans, adverse action notifications, and secondary loan reviews.
• Recommend alternative mortgage products and options for marginal loans.
• Collaborate with loan originators, processors, and training teams while mentoring mortgage operations staff.

Requirements

• 3 years of experience in mortgage lending.
• Intermediate knowledge of mortgage and equity loan processing, closing, documentation, and regulations.
• Familiarity with mortgage underwriting processes, investor requirements, and applicable guidelines.
• Basic skills in financial analysis, research, problem-solving, organization, planning, and time management.
• Basic database, presentation, word-processing, and spreadsheet software skills.
• Monday–Friday schedule, 8:00 AM–4:30 PM.

Nice to have

• Experience underwriting self-employed borrowers.
• Experience conducting complex personal and business financial analysis.

Culture & Benefits

• Competitive pay based on experience, location, and market position.
• Generous benefits and perks.
• Energetic, engaged, and committed work culture.
• Employee referral program eligibility.