Mortgage Underwriter

Location: Carmel, IN (On-site, Full-time)
Salary: $65,000–$75,000, depending on experience

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Position Overview:

Our client is seeking an experienced Mortgage Underwriter for an on-site position in Carmel, Indiana. This is a full-time role responsible for underwriting residential mortgage loans while maintaining compliance with agency guidelines and internal policies. The ideal candidate is detail-oriented, deadline-driven, and comfortable working in a collaborative office setting.

This role requires recent experience with Conventional loans. Non-QM and Government (FHA/VA) experience is a strong plus. Candidates must be proficient in Encompass.

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Key Responsibilities:

• Underwrite Conventional residential mortgage files in accordance with FNMA/FHLMC guidelines

• Analyze income, assets, credit, and collateral to assess loan eligibility and risk

• Review and clear conditions in a timely and accurate manner

• Communicate clearly with processors and loan officers to facilitate smooth closings

• Maintain a consistent pipeline and meet required service-level standards

• Stay up to date on investor, agency, and regulatory changes

• Support internal team discussions on process improvements and file quality

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Qualifications:

• 2–4 years of recent mortgage underwriting experience required

• Strong knowledge of Conventional guidelines

• Non-QM and Government (FHA/VA) underwriting experience is a plus

• Encompass experience is required

• Detail-oriented with strong time management and documentation review skills

• Effective communicator with a team-first mindset

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Additional Information:

• This is a full-time, in-office position based in Carmel, IN

• Candidates must have recent front-line underwriting experience

• This role is not intended for processors or individuals seeking to re-enter underwriting after an extended gap

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Please Note: All qualifications and requirements for this role are set by our client. National Mortgage Staffing does not determine candidate eligibility.

Thank you for your interest! 

If your background aligns with our clients needs, one of our Recruiters will reach out. Please Check your spam folder and voicemail for messages from our recruiters.

Unfortunately due to high volumes of applicants, we may not be able  to respond to those who are not a fit.  If you do not hear from us regarding this application, please know we do appreciate your interest and encourage you to continue to keep an eye on our website for new opportunities.