Government Underwriter

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
• Structure loans that meet agency, investor, and company guidelines
• Issue loan approvals, suspensions, and denials with clear underwriting conditions
• Review mortgage loan files for completeness, accuracy, and compliance
• Partner with Loan Officers, Processors, Closers, and Operations teams to move loans efficiently
• Ensure compliance with Fair Lending, TRID, RESPA, ECOA, HMDA, and applicable regulations
• Utilize Encompass Loan Origination System to document underwriting 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
• Ability to work independently while collaborating remotely

Preferred Qualifications

• DE (Direct Endorsement) Certification
• VA SAR/LAPP authority
• Experience using Encompass Loan Origination System
• Experience in high-volume mortgage underwriting environments

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.