Underwriter II

Overview

Remote position based in Grand Rapids, MI 49548. The organization is seeking an experienced, detail-oriented Mortgage Underwriter to review residential mortgage loan applications and make underwriting decisions in accordance with investor, company, and regulatory guidelines.

Responsibilities

• Analyze mortgage loan applications to determine borrower eligibility and creditworthiness
• Review income, assets, credit history, and liabilities to ensure compliance with underwriting guidelines
• Investigate derogatory credit and evaluate compensating factors when appropriate
• Assess a borrower’s ability to meet financial obligations and satisfy loan requirements
• Review appraisals and supporting documentation to ensure property values are adequately supported
• Analyze comparable sales and identify potential collateral risks
• Establish conditions for repairs, inspections, or additional documentation when necessary
• Evaluate collateral quality and overall loan risk
• Approve, suspend, or deny mortgage loan applications based on investor and company guidelines
• Clearly document underwriting decisions and loan conditions
• Request additional documentation or clarification when needed
• Ensure all loan decisions are consistent, accurate, and well-supported
• Complete underwriting activities in accordance with FHA, VA, Conventional, and applicable investor requirements
• Maintain current knowledge of underwriting policies, regulatory requirements, and program updates
• Assist with investor reviews, quality control audits, and post-closing inquiries
• Verify all documentation is complete and lending conditions are satisfied prior to closing
• Communicate effectively with processors, closers, management, and other departments regarding loan conditions and file status
• Provide guidance on complex loan scenarios and underwriting questions
• Maintain strong working relationships with internal teams and credit union partners
• Participate in process improvement initiatives and other projects as assigned

Requirements

• Minimum of 5 years of mortgage underwriting experience required
• Must have actively worked as a Mortgage Underwriter within the past 2 years
• Experience underwriting FHA, VA, and Conventional loans required
• Comprehensive understanding of FHA, VA, and Conventional underwriting guidelines
• Working knowledge of financial statements, tax returns, credit reports, and appraisals
• Strong analytical and decision-making skills
• Excellent attention to detail and commitment to accuracy
• Consistent and sound underwriting judgment
• Strong organizational and time management skills
• Ability to prioritize workload and meet deadlines in a fast-paced environment
• Excellent verbal and written communication skills
• Team-oriented mindset with the ability to work independently
• Proficiency in Microsoft Excel, Outlook, and other business applications
• Bachelor’s degree preferred, or equivalent industry certifications and experience

Preferred Qualifications

• Experience with RD, Condo, Jumbo, or Construction loans

Compensation & Benefits

• Generous and competitive healthcare packages
• Employer paid short-term and long-term disability
• Employer paid Life Insurance
• 100% Employer paid Vision
• 401K Plan with match
• 20 days PTO - no waiting periods
• Fun and collaborative team environment

Location

• Remote - Grand Rapids, MI 49548