Senior Government Underwriter (Remote, Must Reside in Hawaii)

Location: Remote, Hawaii; candidates must reside in Hawaii.

Salary: $76,000–$89,000 annual base pay, depending on experience, qualifications, market location, and other job-related factors. Eligible for performance- and productivity-based commissions.

Company

hirify.global provides residential mortgage lending and underwriting services.

What you will do

• Underwrite conventional, FHA, VA, and special program residential loans for completeness, accuracy, compliance, and credit quality.
• Review borrower income documentation, tax returns, credit reports, preliminary reports, judgments, bankruptcy documents, appraisals, and other loan materials.
• Analyze and calculate personal and business income, request supporting documentation, rework loans to new terms, and identify additional conditions required for viable credit decisions.
• Use DU, LP, and other risk assessment tools while maintaining knowledge of company, investor, secondary market, and industry guidelines.
• Make quality underwriting decisions within the company’s 48-hour service-level standard and maintain consistent processes.
• Communicate with loan originators, branch managers, processors, sales teams, management, and investors; assist with repurchase responses and rebuttal reviews.

Requirements

• Minimum 5 years of current frontline mortgage underwriting experience.
• Active CHUMS ID required.
• DE, VA LAPP, and SARS designations required.
• High school diploma or GED required.
• Required appraisal review and tax return analysis skills.
• Experience with repurchase response and/or rebuttal review and response preparation.
• Understanding of TILA, RESPA, and predatory lending requirements.
• Strong analytical, decision-making, problem-solving, accuracy, attention-to-detail, organizational, prioritization, and time-management skills.
• Proficiency with computers, LOS systems, Microsoft Office, and Excel; ability to learn and use multiple software programs.
• Ability to meet deadlines with minimal supervision, handle high-volume workloads, communicate effectively, and work well with investors and coworkers.
• Professional written and oral communication skills and professional demeanor.
• Ability to perform the role’s physical requirements, including frequent sitting and occasional standing, walking, reaching, keyboard use, and lifting or moving up to 25 pounds.

Nice to have

• BA or BS degree.
• Prior credit signing authority.
• Secondary market experience.
• Experience working in a paperless environment.

Culture & Benefits

• Remote work arrangement for candidates residing in Hawaii.
• Regular and punctual attendance is expected.
• PTO, medical, dental, vision, life insurance, and short- and long-term disability options.
• 401(k) plan with company match and FSA/HSA options.
• Tuition reimbursement and other voluntary benefits.
• Equal employment opportunity and reasonable accommodation support are provided.