Government Underwriter

About the Company

At eLEND, we're committed to helping borrowers achieve homeownership by delivering exceptional lending solutions while maintaining the highest standards of credit quality, compliance, and operational excellence.

Responsibilities

• Analyze FHA, VA, USDA, and Conventional mortgage loan applications to determine creditworthiness and eligibility
• Review loan-to-value (LTV), debt-to-income (DTI), credit reports, income documentation, assets, and employment history
• Calculate borrower income and evaluate repayment capacity
• Review DU, LPA, and agency underwriting findings
• Issue loan approvals, suspensions, and denials with clear underwriting conditions
• Review mortgage loan files for completeness, accuracy, and compliance
• Evaluate residential appraisals and supporting collateral documentation
• Partner with Loan Officers, Processors, Closers, Sales, and Operations teams
• Ensure compliance with FHA, VA, USDA, Conventional, investor, and company underwriting guidelines
• Manage an active underwriting pipeline while meeting production and quality goals
• Utilize Encompass and other Loan Origination Systems to document decisions

Requirements

• Minimum of 5+ years of Government Mortgage Underwriting experience
• Strong knowledge of FHA, VA, USDA, and Conventional underwriting guidelines
• Excellent analytical and credit risk assessment skills
• High attention to detail and commitment to quality
• Strong organizational and time management skills

Preferred Qualifications

• DE (Direct Endorsement) Certification
• VA SAR/LAPP authority
• Experience using Encompass Loan Origination System
• Prior experience mentoring or training teammates
• Experience in a high-volume production underwriting environment
• Leadership experience or demonstrated leadership potential

Benefits

• Competitive base pay
• Performance-based incentive opportunities
• Comprehensive Medical, Dental & Vision Coverage
• 401(k) Program with company match
• Paid Time Off & Company Holidays
• Professional Development & Continuing Education