Our client is seeking an experienced Senior DE Underwriter to join a growing California-based mortgage lender. This position is fully remote but requires residency in the state of California.
The ideal candidate will have a strong underwriting background across both Agency and FHA products, an active Direct Endorsement (DE) certification, and the ability to analyze complex borrower profiles including self-employed income and alternative documentation loans.
Underwrite and issue loan decisions for Fannie Mae, Freddie Mac, and FHA mortgage loans.
Analyze personal and business tax returns, income, assets, credit, and collateral.
Evaluate WVOE, P&L, Bank Statement, DSCR, and Asset-based documentation.
Ensure loans meet investor and agency compliance standards.
Communicate underwriting decisions and conditions clearly to internal teams.
Collaborate with Account Managers, Loan Officers, and Brokers to resolve conditions quickly.
Maintain accuracy, efficiency, and strong turn times in a high-volume environment.
Minimum 5 years of residential mortgage underwriting experience.
Active FHA Direct Endorsement (DE) required. (used within past 11 months)
Proficient in Encompass LOS , CoreLogic FraudGuard , and AUS systems (DU, LPA, Total Scorecard).
Strong working knowledge of Agency and FHA guidelines.
Skilled at income calculation for self-employed borrowers.
Experience with Non-QM or alternative documentation loans preferred.
Must be currently employed in the mortgage industry (no gaps exceeding 12 months).
Must reside in California.
Base Salary: $70,000–$100,000 (based on experience)
Bonus: Monthly eligibility after 2 years (based on funding volume)
Benefits: Health Insurance, SIMPLE IRA (3% match), PTO, 5 sick days
Schedule: Monday–Friday, 8:30 a.m.–5:30 p.m. PST
Work Model: Remote – California residents only
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