Position: Senior Underwriter (Operations)
Location: Fully Remote (San Diego, CA local candidates may choose on-site or hybrid)
Work Model: Remote (equipment provided)
Compensation: $85,000–$100,000 base salary annually; quarterly bonus plan; profit share employee bonus after 1 year of service; discretionary bonus eligible; non-exempt and overtime eligible
Schedule: 40 hours per week; overtime as needed
Benefits: Health, vision, and dental insurance; 401(k); health savings account; life insurance; vacation and sick time

Overview
This Senior Underwriter role supports residential mortgage production by delivering consistent, compliant underwriting decisions across a range of borrower profiles. You’ll evaluate risk, document clear decisions and conditions, and partner closely with loan officers, processors, and internal stakeholders to move files efficiently while maintaining strong underwriting quality.

Responsibilities
• Evaluate residential mortgage loan applications to ensure compliance with company policies and applicable federal and state regulations
• Analyze borrower financials, credit reports, and property evaluations to determine feasibility and overall risk
• Assess loan risk and make recommendations based on thorough analysis of borrower profiles
• Collaborate with loan officers, processors, and other stakeholders to expedite the underwriting process and resolve questions quickly
• Provide clear, concise explanations for loan decisions and conditions to all parties involved
• Stay current on industry trends, regulations, and best practices to maintain high-quality underwriting standards

Qualifications
• 5+ years of residential mortgage underwriting experience
• At least 1 full year of hands-on underwriting experience with Non-QM and Jumbo loans
• Strong verbal and written communication skills, including the ability to clearly explain decisions and conditions
• Ability to work effectively with multiple stakeholders in a deadline-driven environment
• Proficiency in Encompass is highly preferred
• Experience with Microsoft Office is a plus
• DE and VA designations a plus

NMS Disclaimer
National Mortgage Staffing (NMS) is a recruiting firm. Our client sets the position requirements and makes all hiring decisions.

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.