Sr. Underwriter

About RWM

RWM Home Loans is a family-owned community mortgage bank with over 3 decades of experience, proudly providing award-winning 5-star service to help clients achieve their home financing goals. Our mission is to empower communities through financial education and homeownership and we’re building a team of passionate individuals who share this vision from coast to coast. We offer a wide variety of loan programs with flexible options and tailored consultations, helping us guide clients every step of the way to long-term financial success.  

Our commitment to excellence is reflected in our workplace culture, which has earned us repeat recognition as a Top Workplace, with honors for employee appreciation, professional development, well-being, and innovation. With access to upper management and a platform to share your ideas, we’re committed to investing in our team members’ growth and we offer a variety of development opportunities and growth avenues. Ready to make a difference and advance your career? Join our award-winning team and achieve your career goals with us! 

Job Overview

• Great Opportunity to join an Established Mortgage Banker in their 30th year in business! Top 10 company ranking by Experience.com for customer satisfaction.  Company is licensed in 22 states.

• We are a leading mortgage lending institution dedicated to providing exceptional service and innovative financial solutions to our clients. With a commitment to excellence and a dynamic team environment, we empower our employees to thrive and succeed.

• Looking for individual to become a LONG TERM team member our average employee tenure is 5-10 years.

• Must thrive on engagement with our origination team. Underwriters must be comfortable and are encouraged to pickup the phone to discuss questions/challenges on files to ensure a thorough loan decision is issued.

Seeking an experienced Mortgage Underwriter.

• DE or VA automatic underwriter designations desired

• NonQM & Jumbo experience is a plus.

• Comfortable with technology

Candidate must possess the following basic skills:

• Minimum 5 years of experience in residential mortgage underwriting, with a strong preference for candidates familiar with Encompass software. Experience in Non-QM and Jumbo loan underwriting is required.

Key Responsibilities

• Evaluate mortgage loan applications to ensure compliance with company policies, as well as federal and state regulations.

• Analyze applicant financial status, credit reports, and property evaluations to determine feasibility of granting loans.

• Assess loan risk and make recommendations based on thorough analysis of borrower profiles.

• Collaborate effectively with loan officers, processors, and other stakeholders to expedite the underwriting process.

• Provide clear and concise explanations for loan decisions and conditions to all parties involved.

• Stay updated on industry trends, regulations, and best practices to maintain high-quality underwriting standards.

Qualifications

• Minimum 5 years of experience in residential mortgage underwriting.

• Proficiency in Encompass software is highly preferred.

• Strong understanding of VA & FHA loan underwriting requirements.

• Excellent critical thinking skills with the ability to solve complex problems.

• Positive attitude and ability to thrive in a collaborative team environment.

• Exceptional attention to detail and organizational skills.

• Excellent communication skills both verbal and written. Must be able to work in a collaborative environment as part of a team.

• Ability to work and effectively communicate with processors and loan officers

• Bachelor's degree preferred but not required.

Excellent Benefits:

• Medical/Dental/Vision/Life