Job Description: Mortgage Underwriter Supervisor

Compensation - $60-75K Base + benefits and more!

Overview

Lupton Partners is recruiting on behalf of our client—a well-established mortgage lender with more than 40 years of operational history and the backing of a parent company with over a century in business. We're seeking a skilled and detail-oriented Mortgage Underwriter with experience in both conventional and government loan programs (FHA, VA, USDA). This is a full-time, on-site role based in a highly collaborative office environment featuring secure paid parking, an onsite gym, a gourmet kitchen, and close proximity to great dining options.

This is an excellent opportunity for a seasoned underwriter looking for a stable and supportive workplace with long-term growth potential.

Key Responsibilities

• Review Loan Applications: Analyze mortgage loan applications for completeness, accuracy, and alignment with conventional and government program guidelines.
• Conduct Financial Assessments: Evaluate borrowers’ income, assets, employment, credit history, and other financial documents to assess creditworthiness.
• Assess Property Appraisals: Review property valuations to ensure collateral meets loan and regulatory standards.
• Calculate Key Metrics: Compute debt-to-income (DTI) and loan-to-value (LTV) ratios and assess borrower eligibility based on financial thresholds.
• Collaborate with Loan Team: Communicate with processors, loan officers, and other stakeholders to clarify file information and resolve discrepancies.
• Issue Decisions: Render underwriting decisions—approvals, suspensions, or denials—with clear documentation and reasoning.
• Stay Informed: Keep up to date with mortgage regulations, underwriting guidelines, and investor requirements.
• Ensure Compliance: Adhere to internal policies and external regulatory standards in all underwriting decisions and documentation.

Qualifications

• Experience: Minimum 3–5 years of mortgage underwriting experience, including conventional and government-backed loans (FHA, VA, USDA).
• Education: Bachelor’s degree in Finance, Business Administration, or a related field preferred.
• Technical Proficiency: Familiarity with DU, LP, and other automated underwriting systems; adept in mortgage LOS platforms and tools.
• Regulatory Knowledge: Strong understanding of current underwriting guidelines and federal lending regulations.
• Analytical Skills: High level of attention to detail with strong analytical and decision-making abilities.
• Communication: Effective written and verbal communication skills; able to provide concise and accurate documentation.
• Certifications: Underwriting certifications (NAMU, NAMP, etc.) preferred but not required.
• Ethics: Demonstrated ability to handle sensitive borrower data with integrity and confidentiality.

Our Talent Vision

Lupton Partners' recruiting and talent optimization practice operates intentionally with two purposes centered around the people side of the business equation. For talent, we recognize that making a career move is both exciting and stressful, guiding individuals to find higher meaning and reward in their careers. For clients, we understand that the talent equation involves aligning business and people strategies, retaining and empowering talent, and attracting the best available candidates.

We specialize in various sectors, including banking and financial services, legal and counsel, finance and accounting, and executive recruiting—while also focusing on talent optimization to align people with business strategies, boost productivity, and adapt to change.