Mortgage Lending Underwriter - Residential Loans (Non-QM & Jumbo)

Job Description

Job Description

Mortgage Lending Underwriter – Residential Loans (Non-QM & Jumbo)

Kirkland, WA

Bring your residential underwriting experience to a lender focused on residential and construction mortgages.

As a Mortgage Lending Underwriter, you will review complex mortgage applications submitted through internal and external channels. This role requires strong analytical expertise, attention to detail, and a solid understanding of credit risk and lending guidelines to make sound underwriting decisions.

Mortgage Lending Underwriter Responsibilities :

• File Triage : Scrub mortgage packages for completeness and quality, pulling insights from income docs, statements, and credit data.
• Credit Judgment : Weigh borrower strength, deal context, and capacity to repay to form a clear go / no-go view.
• Policy Alignment : Keep decisions inside house credit guardrails, investor expectations, and applicable regs.
• Decision Messaging : Deliver outcomes and rationale to origination and ops so everyone knows the “why” and next steps.
• Valuation & Collateral Check : Validate property reports and supporting materials against program criteria and valuation logic.
• Disposition Calls : Greenlight, rework, or decline based on quantified risk and compensating factors.
• Market & Rule Tracking : Monitor shifts in underwriting norms, product overlays, and regulatory updates; adjust practices accordingly.
• Exit Financing Matchmaking : Pair eligible files with the right permanent / agency programs to ensure a viable take-out.
• Workflow Partnering : Coordinate with internal counterparts to keep files moving and cut cycle time.

Mortgage Lending Underwriter Qualifications :

Company Benefits :

Compensation : $85-$100k