Remote Senior Mortgage Underwriter (DE/LAPP/SAR)

The Opportunity

Are you a Senior Underwriter who loves strategic file structuring but hates tedious, manual data entry? An independent mortgage lender rewriting the rules of modern lending is looking for a seasoned DE/LAPP/SAR Underwriter who's ready to trade the grind of rote data tasks for the kind of high-judgment, complex underwriting work that actually challenges you. This is a fully remote role with real decisioning authority, a collaborative ops team that makes fast, accurate closings the norm — not the exception.

What You'll Do

Master the Pipeline
- Own a diverse pipeline of FHA, VA and conventional conforming loans from submission to clear-to-close, with opportunities to underwrite USDA, and bond/grant program files as volume and licensing allow
- Apply sound credit judgment on complex files — income, asset, and liability layering — while leveraging automated workflows that eliminate the low-value manual work that slows most underwriters down

Be the Expert
- Serve as the strategic underwriting resource for loan officers and processors on difficult-to-structure deals, helping the team find the path to approval within guideline parameters
- Maintain zero-defect quality standards across your pipeline while delivering the decisive, consistent turn times that set this lender apart in a competitive market
- Stay current on agency guideline changes (FHA, Fannie Mae, Freddie Mac) and proactively share relevant updates with your production partners

Elevate Efficiency
- Work fluently within Encompass LOS and utilize DU and LPA outputs to support accurate, well-documented credit decisions
- Collaborate closely with processors, LOs, and closing teams in a high-trust, fully virtual environment — contributing to a culture where strong communication replaces micromanagement

Why This Opportunity

This isn't an underwriting seat where you'll spend your days pushing paper through a bureaucratic committee process — this lender has made a deliberate investment to give underwriters their professional lives back. You'll have the freedom to work from anywhere in the U.S. with a fully remote infrastructure built for it, plus a comprehensive benefits package that includes medical, dental, vision, and 401(k). What you'll actually get here is the rare combination of stability, growth, and the kind of speed and decisioning latitude that only a scaling independent lender can offer.