Senior TPO Mortgage Underwriter

SUMMARY:

Competitive bonus structure available. If you're analytical, detail-oriented, and thrive on ensuring smooth, compliant loan closings, we'd love to meet you. This is a high-energy, collaborative role where precision, competitive drive, and a passion for delivering exceptional client experiences are essential.

V.I.P. Mortgage Inc.'s TPO Department is in a fast-changing environment with evol v ing turn-times, increasing use o f technol o gy, expanding product offerings, and m o re. We are looking for an underwriter who is technically strong, adaptable, flexible, and comf o rtable with rapid change while leveraging technol o gy to drive results. The ideal candidate excels at underwriting and thinks proactively about improving processes, enhancing service, and strengthening relationships.

ESSENTIAL JOB FUNCTIONS:

• Underwrite 2–3+ new loans per day depending o n file type, balancing speed and accuracy to support v o lume and operational flow, leveraging tools like Candor to streamline eligible loan files.
• Maintain 24-hour turn times on all files to meet business and client expectations.
• Clear "Underwriting to Clear" (UTC) conditions within 24 hour s , ensuring timely progress toward closing.
• Evaluate borrower files, analyzing income, credit, assets, ratios, and collateral to affirm compliance with investor, agency, FHA, VA, USDA, HFA, and other guidelines.
• Stay current on guidel i ne updates, overlays, and program changes across all applicable investor and agency products.
• Ensure precision in documentation, criteria, loan data, and underwriting specifics t o uphold VIP's Corporate Risk standards .
• Maintain high QC scores through accurate decisioning and strong attention to detail.
• Serve as an overflow r esour c e for Retail underwriting to help balance workloads across channels when needed.
• Provide ongoing training support to the sales force, sharing insights, clarifying conditions, and enhancing their knowledge.
• Assist Brokers and NDCs by walking through scenarios and clarifying conditions to ensure client clarity and satisfaction.
• Contribute during slower periods by taking on ad hoc projects and process improvements that enhance client and AE experiences.
• Embrace rapid change in technology, workflows, and turn-time standards , helping the team remain flexible and effective.
• Other Duties as assigned.

QUALIFICATIONS:

• 5+ years o f mortgage underwriting experience, particularly in a TPO, wholesale, or c orrespondent
• Direct Endorsement (DE) and LAPP/SAR certifications required.
• Deep experience with FHA, VA, USDA, HUD184, non-Agency, and/ o r o ther loan programs a plus, with eagerness to adapt as we expand offerings.
• Proficiency with Encompass LOS .
• Experience and c omfort with tools like Candor i s a strong plus.
• Exceptional analytical and risk-assessment skills.
• High attention to detail.
• Adaptability and flexibility. You should be ready to pivot as volume, priorities, and technology shift, and eager to take o n new challenges.
• A strong sense of urgency. Deadlines must be met, conditions cleared, and client needs prioritized.
• Excellent interpersonal and communication abilities, both verbal and written.
• An o perational mindset. Organized, process-oriented, and a disciplined multitasker.
• Sound judgment and team orientation. You contribute positively to both process and culture.

WORK ENVIRONMENT:

• Office Setting
• Remote Work

PHYSICAL DEMANDS:

• Dexterity o f hands and fingers to operate a co m puter keyboard, reaching overhead, abo v e the shoulders and horizontally, bending at the waist, climbing, kneeling, and sto o ping for installation of hardware and hearing and speaking to communicate and provide information to others.
• Reaching overhead above the shoulders and horizontally bending at the waist, climbing, kneeling, and stooping for installation of hardware and more.
• Hearing and speaking to communicate and provide information to others.
• Prolonged periods sitting at a desk and working on a co m puter.