VA Mortgage Underwriter

Summary

Join Valon's Consumer Direct Lending team as a VA Mortgage Underwriter, responsible for underwriting VA mortgage loans according to VA guidelines, internal policies, and investor requirements. You will analyze loan documentation, make timely underwriting decisions, communicate with stakeholders, and stay updated on VA guidelines. This role requires ensuring a smooth and efficient process for borrowers while maintaining compliance. The ideal candidate possesses 10+ years of mortgage underwriting experience, including 5+ years of VA experience, and a bachelor's degree. Valon offers competitive salaries, comprehensive benefits (medical, dental, vision, 401k), paid time off, and professional development opportunities.

Requirements

• 3+ years of recent VA mortgage underwriting experience
• Deep knowledge of VA guidelines, AUS (DU/LP), and federal lending regulations
• Strong analytical skills with a high level of attention to detail
• Ability to thrive in a fast-paced, high-volume lending environment
• Excellent communication and organizational skills

Responsibilities

• Review and underwrite VA mortgage loan files (purchase and refinance) to ensure compliance with VA, investor, and company guidelines
• Analyze credit, income, asset, title, and appraisal documentation for completeness and accuracy
• Render timely and accurate underwriting decisions and issue conditional loan approvals or denials
• Communicate effectively with Loan Officers, Processors, and other stakeholders to gather additional documentation as needed
• Stay current with changes in VA underwriting guidelines and proactively apply updates to your work
• Help identify process improvements and assist in the development of underwriting best practices
• Ensure compliance with all applicable regulatory and company requirements, including VA SAR responsibilities (if applicable)

Preferred Qualifications

• 10+ years of mortgage underwriting experience
• 5+ years of VA experience
• Bachelor’s degree or equivalent work experience
• Strong communicator with excellent writing skills
• High integrity with strong ethical values
• Team player with the ability to work effectively with a variety of team members
• An active VA SAR credential is preferred
• Experience in a consumer-direct lending environment is a plus
• Comfortable working remotely and using modern loan origination systems and collaboration tools

Benefits

• Competitive salary and 401k plan
• Comprehensive medical, dental, & vision benefits
• One medical membership
• Talkspace to provide mental health support
• In-office snacks and drinks, Bagel Fridays and regular Food Trucks on premise
• Pre-tax deductions for public transportation, rideshare services, and parking expenses
• Company wide orientation for you to successfully onboard and other learning & development opportunities including regular review cycles that feature 360 degree feedback
• 17 days paid time off, sick days, and 11 company holidays