Government Underwriter

Summary

Join JMAC Lending as a Government Underwriter, responsible for reviewing and evaluating mortgage loan documents to ensure compliance with JMAC, FHA, and VA guidelines. You will analyze borrower information, property details, and transactions, making independent loan decisions (approve or decline) within established turn times. This full-time, remote position offers competitive pay, ranging from $85,000 to $90,000 annually, and a comprehensive benefits package.

Requirements

• At least 2 years of recent experience as a DE and SAR Underwriter
• A minimum of 2 years of recent expertise in FHA and VA lending
• A thorough understanding of current FHA and VA guidelines
• Familiarity with federal and state regulations in the mortgage banking sector (including TRID, ECOA, Fair Lending, etc.) is essential
• Proficient knowledge of DU/LP/TOTAL Scorecards is required
• Excellent communication skills with the ability to engage effectively with brokers

Responsibilities

• Review credit documents in accordance to JMAC, FHA, and VA guidelines
• Review borrower’s income and assets in accordance to JMAC, FHA, and VA guidelines
• Review subject property title and appraisal in accordance to JMAC, FHA, and VA guidelines
• Must be able to make loan decisions independently (Approve or Decline)
• Sign off on conditions
• Verify the consistency of information throughout the file
• Utilize FHA Connection, FHA EAD, VA VIP/WebLGY, and GUS to complete, correct, or verify the validity of required forms
• Complete assigned files within established turn times
• Maintain communication, and customer service with file contacts throughout the loan process
• Other duties as assigned
• Based on business needs overtime may be required

Preferred Qualifications

Preference for candidates with 6 months or more experience in USDA/RD, though it's not mandatory

Benefits

• Comprehensive Health Care Plan (including Medical, Dental, & Vision)
• Life Insurance Options (Basic, Voluntary & Accidental Death & Dismemberment)
• Generous Paid Time Off (for Vacation & Holidays)
• Secure Retirement Plan (401k)
• Short-Term & Long-Term Disability Coverage
• Family Leave Benefits
• Access to Wellness Resources