Senior Underwriter

  • Location
    Sacramento, California
  • Category:
    Financial Services - Underwriting
  • Job Type:
    Direct Hire
  • Job reference:

The Sr. Underwriter will underwrite loans in accordance with our Client’s and Investor guidelines following the company’s policies and procedures under general supervision. Will make sound underwriting decisions and ensures that all decisions meet legal and policy requirements. Will also perform all duties in accordance with our Client’s policies and procedures, all US state and federal laws and regulations.



  • Performs a thorough analysis to ensure the quality of each loan and to determine compliance with Company and Investor guidelines.
  • Performs a thorough analysis of collateral to ensure property meets investor guidelines and the appraisal quality and completeness is acceptable.
  • Applies and interprets company underwriting guidelines and makes sound credit decision.
  • Completes credit, analysis of income, analysis of property, ensures proper audits are completed and verifies consistency of loan file information.
  • Identifies risk factors within each loan and utilizes resources, tools and documentation to detect red flags and clear inconsistencies.
  • Reviews and evaluates credit information on mortgage loan documents to determine acceptability for specific loan programs.
  • Determines any conditions, stipulations or pre-funding requirements.
  • Reviews and clears underwriting conditions, stipulations or pre-funding requirements received.
  • Communicates with clients, sales teams and operations teams to resolve outstanding issues as they arise.
  • Assists departmental support staff when necessary.
  • Resolves and responds to post closing credit exceptions received from investors and auditors when required on loans underwritten.
  • Maintains ongoing knowledge of investor guidelines, updates and trends as applicable to underwriting position.
  • Completes second signature underwriting review on loan files underwritten by junior underwriters and within designated authority as needed.

  • A thorough knowledge of mortgage loan underwriting.
  • Maintains highly confidential information concerning loan applicants.
  • Requires high level of organizational skills and ability to work on several tasks simultaneously.
  • Constant contact with Loan Officers and internal office staff.
  • Ability to communicate effectively both verbally and in writing.
  • Strong customer service skills.
  • Ability to organize and prioritize workload and meet deadlines.
  • Excellent computer skills and working knowledge of Microsoft Office products.


  • 3+ years of FHA mortgage underwriting work experience.
  • Paperless Loan Origination System experience preferred.
  • FHA Direct Endorsement designation and/or VA SAR designation.
  • Please send resumes to me directly at or apply directly through this posting.  This is an immediate need and our Client may need to fill two of role like this and is open to all experience levels.  Apply now to be considered.