Government Mortgage Underwriter (DE/Lapp/Sar)

CMG Financial is seeking an experienced Government Mortgage Underwriter with active FHA (DE) and VA (SAR/LAPP) designations as well as experience with USDA and Conventional loans. This role is responsible for executing underwriting decisions in accordance with company policies, investor guidelines, and regulatory requirements. The Underwriter plays a critical role in ensuring sound credit decisions that protect the financial and operational interests of the organization.

Essential Duties and Responsibilities

• Underwrite FHA and VA loans while maintaining active government designations (DE/SAR/LAPP).
• Underwrite additional loan products, including but not limited to Conventional and USDA loans.
• Maintain a production level of 45+ initial underwrites per month.
• Communicate regularly with Loan Officers and/or Processors regarding loan status using current technology platforms.
• Review files and check orders as conditions are cleared and new information is received.
• Maintain up-to-date knowledge of current loan products, guidelines, and underwriting policies.
• Provide leadership and guidance related to underwriting resources and credit policy execution within the team.
• Maintain accurate and detailed conversation logs in Byte to ensure proper tracking of loan progress.
• Assist with training and mentoring of other mortgage-related positions as needed.
• Complete ad hoc reporting as requested.
• Perform other duties as assigned.

Qualifications and Experience

• Minimum of five (5) years of recent government underwriting experience.
• Active and valid CHUMS and LAPP/SAR credentials required to underwrite FHA and VA loans.
• Must have worked as a frontline underwriter within the past 12 months.
• Recent experience underwriting Conventional and USDA loans required.
• Demonstrated proficiency with DU and LP, including accurate data input, interpretation, documentation, and communication of findings.
• Intermediate proficiency with Microsoft Word, Excel, and email systems.
• Ability to work effectively in a fast-paced, dynamic environment.
• Strong communication, interpersonal, and organizational skills.
• Proven leadership abilities.
• High level of integrity with a demonstrated ability to maintain confidentiality.

SUPERVISORY RESPONSIBILITIES: Direct Reports:  N/A

PHYSICAL and ENVIRONMENTAL CONDITIONS:

This role operates in an ADA compliant office environment, utilizing typical office equipment and tasks including computer work. The position may involve partial stationary positions and moving throughout the day. Flexibility to work overtime to meet project deadlines is required.

Compensation: Base ranges from $90,000 - $105,000 plus OT and bonus. Factors that affect base salary may include: Underwriting experience and designations, overall knowledge, number of years worked in mortgage industry, types of roles performed, computer skills, experience specific to working with mortgage lenders, and education.