Strategic Underwriting Specialist (Fintech)

TL;DR

Strategic Underwriting Specialist (Fintech): Managing loan pipelines across multiple teams to ensure operational continuity and compliance with agency guidelines with an accent on high-volume production and regulatory standards. Focus on underwriting Conventional, FHA, USDA, and VA loan products and resolving complex post-closing conditions.

Location: Remote (USA)

Company

The nation's number one distributed retail mortgage lender with over 9,000 employees operating across all 50 states, D.C. and Puerto Rico.

What you will do

• Cover underwriter pipelines during absences and absorb overflow loan volume to meet production targets and service level commitments.
• Review and update loan files post-closing to resolve adjustments or outstanding conditions.
• Underwrite loans across all agency product types in compliance with guidelines, investor requirements, and company policies.
• Manage multiple pipelines simultaneously across different teams and varying lender overlays.
• Identify and correct time-entry discrepancies in Workday in coordination with managers.
• Maintain clear communication with the VP of Underwriting and support staff regarding pipeline status and priorities.

Requirements

• Must be based in the USA.
• 5+ years of front-line mortgage underwriting experience across all agency product types.
• Active DE (Direct Endorsement), SAR (Staff Appraisal Reviewer), and LAPP (Lender Appraisal Processing Program) certifications.
• Demonstrated proficiency in underwriting Conventional, FHA, USDA, and VA loan products.
• Advanced knowledge of agency guidelines and AUS findings (DU/LP).

Nice to have

• Experience with Encompass LOS.
• Previous experience in a floater, lead underwriter, or senior underwriter capacity.
• Experience working in a high-volume, dynamic production environment.
• Familiarity with Workday HR/time management platform.

Culture & Benefits

• Competitive compensation plan and robust benefits package.
• Medical, dental, and vision insurance.
• 401K retirement plan.
• Company-provided short-term disability, employee assistance program, and wellness program.
• Entrepreneurial culture with a focus on employee engagement and growth.