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    "requisitionDescription": "<div><div><div><div><p id=\"isPasted\"><strong>Job Title:&nbsp;</strong>Mortgage Underwriter<strong><br>Location:&nbsp;</strong>Remote or Austin, TX Headquarters (relocation not provided)<strong><br>Employment Type:&nbsp;</strong>Full-Time, Non-Exempt<strong><br>Reports To:&nbsp;</strong>Underwriting Manager</p><p><strong>About LoanPeople:&nbsp;</strong></p><p>Headquartered in Austin, TX, LoanPeople, LLC was founded by mortgage industry veterans with a strong track record of success. We deliver award-winning in-house service from application to funding, powered by proprietary marketing tools, cutting-edge technology, and a flat organizational structure that fosters collaboration. People are at the heart of our company&mdash;we offer competitive salaries, health insurance, 401(k), flexible time off, and a casual, team-oriented work environment.</p><p>Learn more:&nbsp;<a href=\"https://loanpeople.com\" target=\"_new\">https://loanpeople.com</a></p><p><strong>Position Summary:&nbsp;</strong></p><p>LoanPeople is seeking an experienced Mortgage Underwriter to review and decision a variety of loan types, including conventional, non-conforming, FHA, VA, and USDA loans. The ideal candidate will be detail-oriented, solutions-driven, and committed to ensuring compliance with agency, investor, and internal guidelines. You&rsquo;ll work closely with loan officers and processors to support efficient, accurate, and timely underwriting decisions across our lending channels.</p><p><strong>Key Responsibilities:&nbsp;</strong></p><ul><li>Underwrite a minimum of three new loan submissions per day, plus resubmissions, meeting internal quality and compliance standards</li><li>Analyze and calculate income (including self-employment income) per agency/investor guidelines</li><li>Underwrite Conventional, FHA, VA, and USDA loans.</li><li>Review and decision loans based on credit, income, asset, and collateral analysis</li><li>Recommend alternative loan structuring options for challenging scenarios</li><li>Evaluate appraisals and collateral using tools such as Collateral Underwriter and Loan Collateral Advisor</li><li>Respond to investor and auditor inquiries or conditions in a timely manner</li><li>Ensure accurate and complete data input into LOS and AUS (1008, LT, LA, AUS, funding conditions)</li><li>Stay informed on investor, agency, and internal underwriting updates and guidelines</li><li>Communicate underwriting decisions clearly to processing and sales teams</li><li>Contribute to a positive, collaborative team environment</li></ul><p><strong>Qualifications:&nbsp;</strong></p><ul><li>5+ years of mortgage underwriting experience with FNMA, FHLMC, and investor guidelines</li><li>Proficient with AUS and manual underwriting (DU, LP, GUS)</li><li>Direct experience underwriting Conventional, FHA, VA, and USDA. &nbsp;Experience underwriting non-conforming/jumbo loans a plus.</li><li>Comprehensive knowledge of Non-QM and Jumbo loan products, including guidelines, structuring, and eligibility requirements.</li><li>CHUMS ID (active for the past 3 years; held for at least 5 years)</li><li>SAR designation (active for the past 3 years; held for at least 5 years)</li><li>Sign-off authority up to conforming loan limits for 1-unit properties</li><li>Comfortable working with investor-specific guidelines (e.g., Amerihome, Chase, Wells Fargo, PennyMac)</li><li>Familiar with AllRegs, Microsoft Office, Loan Origination Systems&nbsp;</li><li>Strong knowledge of:<ol><li>Agency loan guidelines (FHA, VA, USDA, Conventional)</li><li>Credit and income analysis, including self-employed borrower income</li><li>Texas-specific loan types, including Texas A6 and A4 F(2) refinances</li><li>Real estate collateral valuation and risk assessment</li></ol></li><li>Exceptional attention to detail and time management</li><li>Strong written and verbal communication skills</li><li>Professional, collaborative, and service-oriented demeanor</li><li>Ability to work independently and manage multiple files under deadline</li></ul></div></div></div></div>\n",
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