<p>An established mortgage organization is seeking an experienced <strong>Senior Mortgage Loan Underwriter</strong> to join its team. This role is responsible for reviewing, analyzing, and underwriting residential mortgage loan applications to ensure compliance with agency, investor, and regulatory guidelines.</p><p>The ideal candidate is a strong independent decision-maker with deep knowledge of government and conventional underwriting standards and the ability to manage a high-volume pipeline in a deadline-driven environment.</p><p><strong>Key Responsibilities</strong></p><ul><li>Underwrite residential mortgage loan files in accordance with FHA, VA, USDA, FNMA, FHLMC, and internal guidelines</li><li>Independently assess borrower risk, including income, assets, credit, and collateral</li><li>Review loan documentation for completeness, accuracy, and compliance with regulatory requirements (TRID, RESPA, CFPB)</li><li>Analyze automated underwriting system (AUS) findings and perform manual underwriting when appropriate</li><li>Communicate with loan officers, processors, and other stakeholders to resolve conditions and deficiencies</li><li>Manage underwriting pipeline to meet closing timelines and rate lock deadlines</li><li>Review appraisals and ensure properties meet program and investor requirements</li><li>Provide guidance and expertise on underwriting scenarios and complex loan structures</li></ul>