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VA/DE Underwriter

Irvine, ca

VA/DE Underwriter


VA/DE Underwriter is responsible for analyzing and rendering complex credit decisions on mortgage loan applications consistent with internal policies and investor guidelines as established by FNMA, FHLMC, FHA, and VA. Work under immediate supervision and report to Supervisor, Manager, or AVP.


·         Review loan applications and identify missing or incorrect information

·         Calculate consumers’ income and examine credit histories, assets, and collateral

·         Analyze property standards against appraisal values

·         Assess credit worthiness to determine if borrowers meet Ability to Repay (ATR) and Qualified Mortgage (QM) requirements

·         Determine final credit decisions based on company policies and investor guidelines

·         Understand and maintain a thorough knowledge of all policy updates

·         Maintain Service Level Agreements (SLAs)

·         Adhere to company quality control requirements

·         Maintain relationships by effectively communicating with internal and external customers in a timely and professional manner

·         Perform other duties as assigned


·         Good oral, written, and interpersonal communication skills to communicate with internal staff and external clients as needed

·         Strong analytical and mathematical skills

·         Ability to maintain a customer focus and efficiently and consistently produce accurate work in both individual and team settings

·         Strong attention to detail and the ability to multi-task and meet deadlines in a fast-paced environment

·         Solid knowledge of computer systems including MS Office (Word, Excel, and Outlook)


·         High school diploma or GED

·         5+ years of related experience in the mortgage industry, including 3+ years of underwriting experience

·         Understanding of credit and an ability to perform mathematical calculations and review financial documents

·         Knowledge of loan origination investor guidelines and federal and state compliance regulations


·         Experience in Wholesale
          Ability to adapt to any LOS System

Job Type: Full-time

Pay: $115,000.00 - $125,000.00 per year

About Company: Headquartered in Irvine, CA. We are comprised of a management team that has a combined 100 years’ worth of experience in the mortgage industry. We pride ourselves on offering exceptional service and turn around times, while also offering the most competitive products available in wholesale lending. We are currently licensed in 49 states. Our management team has built our company’s foundation from the ground up, keeping the customer’s interest and our integrity at the highest standards of any lender in the wholesale lending business. We look forward to partnering with yo

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