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Role Description

At Neighbors Bank, strong underwriting is the foundation of every successful mortgage. We’re looking for a Mortgage Underwriter who brings precision, sound judgment, and a strong understanding of mortgage guidelines to the table. In this role, you’ll evaluate loan files across multiple products, make credit decisions, and clearly communicate what is needed to move loans forward in a compliant and responsible way.

Your work will directly influence how efficiently loans move through the process and how confidently our loan teams can guide borrowers to closing.

If you enjoy analyzing complex financial scenarios, applying guidelines with clarity, and collaborating with a production team to structure strong mortgage files, this role offers the opportunity to make meaningful impact within a high-performing mortgage operation.

What You’ll Do

• Review loan files to assess income, assets, credit, collateral, and overall credit risk across multiple loan products including Conventional, FHA, USDA, and VA.
• Apply underwriting guidelines thoughtfully to determine loan eligibility, ensuring every decision aligns with agency and investor requirements.
• Communicate underwriting decisions and conditions clearly to the loan team so files can move forward efficiently and compliantly.
• Revisit loans that return from closing when changes occur – whether reviewing updated documentation, adjusting loan structures, or confirming revised terms.
• Maintain a strong focus on documentation accuracy and compliance, including supporting internal reviews, investor delivery requirements, and audit requests.
• Identify potential alternative loan structures when appropriate to help create viable financing solutions.
• Provide feedback on recurring file issues or common conditions to help strengthen overall loan quality across the team.
• Stay current on underwriting guidelines and industry updates so your decisions remain informed and consistent.

What Makes a Great Underwriter Here?

• Take pride in careful analysis and making well-supported credit decisions.
• Have a natural attention to detail and catch issues others might miss.
• Communicate clearly and confidently with loan teams when explaining underwriting decisions.
• Stay organized and manage multiple loan files without losing accuracy.
• Adapt well when loan details shift or timelines tighten.
• Work well in collaborative environments where production teams depend on your guidance.

Successful underwriters here balance speed, accuracy, and sound judgment – helping loans move forward while protecting the integrity of the process.

If you prefer loosely structured work environments, minimal production expectations, or decision-making without clear guidelines, this likely won’t be the right fit.

Qualifications

• At least 2 years of mortgage underwriting experience.
• At least 3 years of experience working within the mortgage industry.
• A strong working knowledge of mortgage underwriting guidelines and loan documentation.
• Experience analyzing borrower financials and assessing overall loan risk.
• The ability to operate effectively in a deadline-driven mortgage production environment.
• Comfort working with the technology and systems required in a fully remote lending organization.
• Completion of any required FHA/HUD designation training and USDA training, after starting with our company.
• Consistent reliability and the ability to meet performance expectations in a team-based environment.
• Experience underwriting Conventional, FHA, and USDA loan products is not required, but preferred.

Benefits

• Health and dental coverage.
• A wellness program.
• 401(k) match.
• PTO and paid holidays.
• A monthly WFH reimbursement.
• And more!

Company Description

Neighbors Bank is more than just a workplace – it’s a community. Our mission is to Enhance Lives, and we’re passionate about doing that through innovative solutions and a culture of collaboration and excellence.

Neighbors Bank is a leading innovator in the mortgage industry, and looking for individuals that thrive on challenges, adapt quickly to change, and want their earnings to reflect their performance.

Neighbors Bank is proud to be an Equal Opportunity Employer committed to creating a diverse and inclusive workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability, veteran status, or other legally protected classifications.