Job Description

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Renovation and Construction Underwriter based in the United States.

This role focuses on evaluating complex mortgage loan files related to construction and renovation financing in a fully remote U.S. environment. The underwriter plays a critical part in assessing borrower eligibility, creditworthiness, and property risk across multiple loan programs, including FHA, VA, conventional, and renovation products. The position requires strong analytical judgment to interpret tax returns, financial documentation, and investor guidelines with precision. You will be responsible for making sound underwriting decisions that directly impact loan approval outcomes. The role operates within a fast-paced production setting where accuracy, compliance, and turnaround time are essential. You will collaborate closely with loan officers and processors to resolve conditions and guide file decisions. This is a high-impact position contributing to the successful delivery of compliant, high-quality mortgage solutions.

Accountabilities:

• Review and underwrite mortgage loan files, including construction (One-Time Close/Construction-to-Perm) and renovation loans, ensuring alignment with FNMA, FHLMC, FHA, VA, and investor guidelines.
• Analyze borrower credit profiles, income documentation, tax returns, and property-related data to determine eligibility and risk.
• Issue credit decisions (approve, suspend, or decline) based on internal overlays and secondary market requirements.
• Perform detailed condition reviews and assess resubmitted loan files for compliance and completeness.
• Maintain accurate documentation and system records within the loan origination platform (e.g., Encompass).
• Communicate underwriting decisions clearly and effectively with internal stakeholders to support file progression.
• Ensure production quality standards and turnaround timelines are consistently met.

Requirements:

• Minimum 5+ years of mortgage underwriting experience, including direct experience with construction and renovation loan products.
• Strong knowledge of FNMA, FHLMC, FHA, VA, Bond, 203k, and related investor guidelines.
• Government underwriting experience preferred, including CHUMS and/or SAR designation.
• Direct Endorsement (DE) and/or LAPP/SAR certification strongly preferred.
• Advanced ability to analyze complex income structures, including tax returns and self-employed borrower scenarios.
• Excellent communication skills, both written and verbal, with the ability to explain underwriting decisions clearly.
• Strong analytical, organizational, and problem-solving skills with high attention to detail.
• Ability to work independently in a fast-paced, deadline-driven remote environment.

Benefits:

• Competitive compensation starting at $100k+ DOE
• Fully remote work arrangement within the United States
• Opportunity to specialize in construction and renovation mortgage underwriting
• Exposure to a wide range of government and conventional loan programs
• Collaborative, fast-paced, and performance-driven work environment
• Career growth potential within a specialized lending division
• Standard employment benefits (healthcare, retirement options, and paid time off, depending on eligibility).

How Jobgether works:

We use an AI-powered matching process to ensure your application is reviewed quickly, objectively, and fairly against the role's core requirements. Our system identifies the top-fitting candidates, and this shortlist is then shared directly with the hiring company. The final decision and next steps (interviews, assessments) are managed by their internal team.

We appreciate your interest and wish you the best!

Data Privacy Notice: By submitting your application, you acknowledge that Jobgether will process your personal data to evaluate your candidacy and share relevant information with the hiring employer. This processing is based on legitimate interest and pre-contractual measures under applicable data protection laws (including GDPR). You may exercise your rights (access, rectification, erasure, objection) at any time.

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We may use artificial intelligence (AI) tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses and identifying potential inconsistencies or verification signals in application materials based on available information. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.

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