Mortgage Underwriter – DE/SAR

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Rapid Mortgage Company

WebsiteLinkedInAll Job Openings

201 - 500 employees

Rapid Mortgage is relationship-based mortgage lender. For us, mortgage lending is about building and maintaining life-long relationships with our clients and partners. We understand our clients and partners are real people with real concerns; so, we make sure every person involved in getting your loan closed is available to speak with you.We offer competitive rates in a wide range of loan products including Conventional, FHA, VA and USDA Rural Development. Whether you are a first-time homebuyer, a seasoned veteran, have A+ credit, or are in need of credit assistance, we have programs designed specifically for you. Our hands on approach, personal dedication, and understanding show you are more than just a transaction.OUR GOALTreat every relationship with the level of care and sense of urgency that it deserves. Always committed to the growth of our partners and the satisfaction of our clients knowing our business grows through them.

📋 Description

• Analyze and underwrite loan files including credit, income, assets, appraisals, title, and supporting documentation. • Issue clear, concise approval, suspension, or denial decisions within delegated authority. • Underwrite loans to current FHA, VA, USDA, and Conventional guidelines. • Perform manual underwrites for loans that do not receive AUS Approve/Eligible findings. • Interpret and evaluate complex self-employed income documentation (K-1s, Schedule C, 1120s, 1065s). • Review large deposits, verify funds for closing, and ensure adequate reserves. • Communicate conditions and rationale for decisions to internal stakeholders clearly and professionally. • Ensure all underwritten files meet agency, investor, and federal compliance requirements. • Stay informed on changes to underwriting policies, loan products, and regulatory updates. • Partner with processing and sales teams to promote a collaborative and efficient pipeline.

🎯 Requirements

• Minimum 3+ years of current mortgage underwriting experience • Active DE (FHA) or SAR (VA) designation- Having both is strongly preferred • Experience underwriting DPA (Down Payment Assistance) programs • Proficiency with Encompass Loan Origination System • Experience analyzing complex borrower profiles, including self-employed borrowers and layered risk • Strong working knowledge of AUS platforms (DU and LP) and ability to assess manual files when necessary • Deep understanding of current investor, agency, and compliance guidelines • Exceptional analytical skills, attention to detail, and time management • Ability to work independently in a fast-paced remote environment • Excellent written and verbal communication skills.

🏖️ Benefits

• Medical, Dental, and Vision Insurance available day 1 • Company-Paid Life and Long-Term Disability Insurance • 401(k) Retirement Plan with Company Match • Paid Time Off (PTO) + Paid Holidays • Career growth opportunities and continuing education support • Supportive, collaborative remote team culture