Loan Underwriter Jobs
Loan Underwriter jobs are open across banking, mortgage lending, insurance, credit unions, and fintech, from entry-level analyst to senior and lead roles, with specializations in residential mortgage, commercial credit, and consumer lending. Scan the live roles below and apply to whichever ones fit.
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Showing 5 of 50+ Loan Underwriter jobs
Job Title: Mortgage Loan Underwriter
FLSA Status: Exempt
Department: Mortgage
Hours of Operation: Monday - Friday 8:00am – 5:00pm, 40 hours a week; Hours may vary during high volume periods
General Job Summary:
Analyze and interpret mortgage loan credit and appraisal documents for conformity to specific guidelines set forth by Fannie Mae, Federal Housing Administration, Veterans’ Administration, Kentucky Housing Corporation, Rural Housing, Private Investors, Portfolio lending and Regulatory, including Qualified Mortgage Underwriting guidelines. Assist the mortgage lending staff in obtaining answers to questions regarding the acceptability of the mortgage loan. Assist Supervisor in keeping the mortgage staff updated with investor guideline changes. Assist in staff training as necessary.
Organizational Duties and Responsibilities:
- Supports the mission, vision and philosophy of the Bank. Complies willingly with all organizational policies and procedures.
- Supports all functions that maintain compliance with regulatory agencies.
- Comply with Departmental and Bank policies when performing the review of mortgage loans.
- Comply with Investor guidelines.
- Perform in-depth file analysis and risk assessment by reviewing and interpreting all loan documents, verifying accuracy of information, investigating omissions and discrepancies, researching and resolving all discrepancies to ensure compliance with bank and investor policies
- Accurately interpret various guidelines (FHA, VA, FNMA, etc.) and make decisions of loan acceptance or denial. Accountable for accuracy of those decisions
- Research and provide in-depth file analysis of mortgage loans submitted as recommendations for denial in order to render a possible approval decision
- Assist the mortgage loan personnel with interpretation of product guidelines, required loan documents and approval conditions changes
- Provide staff awareness of guideline changes from investors
Minimum Job Requirements:
Education: High school/GED education
Experience: 1-2 years experience approving or denying mortgage loan files based upon interpretation of department and investor guidelines
Specific Skills:
- Proven knowledge and experience with FHA, VA, and conventional loan processing
- Must have DE (Direct Endorsement) authority for FHA
- Strong knowledge of underwriting guidelines and ability to accurately interpret those guidelines
- Knowledge of various Automatic Underwriting Systems
- Must be detailed oriented
- Must be assertive and have good verbal communication skills
- Must have strong problem-solving skills
- Must be able to work well with others and have ability to perform in a fast-paced and high-pressure environment
The physical demands described here are representative of those that must be met by an employee in order to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- Primarily sedentary work performed in an office environment
- Ability to sit for extended periods of time while working at a computer
- Frequent use of hands and fingers to operate a computer, keyboard, mouse, and other office equipment
- Ability to speak clearly and hear well enough to communicate with clients, team members, and vendors via phone, video, and in person
- Visual acuity sufficient to read computer screens, printed documents, and financial data
- Occasional standing, walking, bending, or reaching
- Ability to lift and carry up to 10–15 pounds occasionally (e.g., files, office supplies)
- 401(K) with a company match of up to 6%
- ESOP employer match
- Medical insurance
- Dental insurance
- Vision insurance
- Cancer/Disease insurance
- Accident insurance
- Flexible Spending Accounts
- Flexible Savings Accounts
- Health Savings Accounts
- Bank paid Life/AD&D insurance
- Voluntary Life/AD&D insurance
- Bank paid Short-Term and Long-Term Disability insurance
- Employee Stock Purchase Plan
- Employee Assistance Program
Job Title: Mortgage Loan Underwriter
FLSA Status: Exempt
Department: Mortgage
Hours of Operation: Monday - Friday 8:00am – 5:00pm, 40 hours a week; Hours may vary during high volume periods
General Job Summary:
Analyze and interpret mortgage loan credit and appraisal documents for conformity to specific guidelines set forth by Fannie Mae, Federal Housing Administration, Veterans’ Administration, Kentucky Housing Corporation, Rural Housing, Private Investors, Portfolio lending and Regulatory, including Qualified Mortgage Underwriting guidelines. Assist the mortgage lending staff in obtaining answers to questions regarding the acceptability of the mortgage loan. Assist Supervisor in keeping the mortgage staff updated with investor guideline changes. Assist in staff training as necessary.
Organizational Duties and Responsibilities:
- Supports the mission, vision and philosophy of the Bank. Complies willingly with all organizational policies and procedures.
- Supports all functions that maintain compliance with regulatory agencies.
- Comply with Departmental and Bank policies when performing the review of mortgage loans.
- Comply with Investor guidelines.
- Perform in-depth file analysis and risk assessment by reviewing and interpreting all loan documents, verifying accuracy of information, investigating omissions and discrepancies, researching and resolving all discrepancies to ensure compliance with bank and investor policies
- Accurately interpret various guidelines (FHA, VA, FNMA, etc.) and make decisions of loan acceptance or denial. Accountable for accuracy of those decisions
- Research and provide in-depth file analysis of mortgage loans submitted as recommendations for denial in order to render a possible approval decision
- Assist the mortgage loan personnel with interpretation of product guidelines, required loan documents and approval conditions changes
- Provide staff awareness of guideline changes from investors
Minimum Job Requirements:
Education: High school/GED education
Experience: 1-2 years experience approving or denying mortgage loan files based upon interpretation of department and investor guidelines
Specific Skills:
- Proven knowledge and experience with FHA, VA, and conventional loan processing
- Must have DE (Direct Endorsement) authority for FHA
- Strong knowledge of underwriting guidelines and ability to accurately interpret those guidelines
- Knowledge of various Automatic Underwriting Systems
- Must be detailed oriented
- Must be assertive and have good verbal communication skills
- Must have strong problem-solving skills
- Must be able to work well with others and have ability to perform in a fast-paced and high-pressure environment
The physical demands described here are representative of those that must be met by an employee in order to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- Primarily sedentary work performed in an office environment
- Ability to sit for extended periods of time while working at a computer
- Frequent use of hands and fingers to operate a computer, keyboard, mouse, and other office equipment
- Ability to speak clearly and hear well enough to communicate with clients, team members, and vendors via phone, video, and in person
- Visual acuity sufficient to read computer screens, printed documents, and financial data
- Occasional standing, walking, bending, or reaching
- Ability to lift and carry up to 10–15 pounds occasionally (e.g., files, office supplies)
- 401(K) with a company match of up to 6%
- ESOP employer match
- Medical insurance
- Dental insurance
- Vision insurance
- Cancer/Disease insurance
- Accident insurance
- Flexible Spending Accounts
- Flexible Savings Accounts
- Health Savings Accounts
- Bank paid Life/AD&D insurance
- Voluntary Life/AD&D insurance
- Bank paid Short-Term and Long-Term Disability insurance
- Employee Stock Purchase Plan
- Employee Assistance Program
Loan Underwriter Jobs by Experience Level
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Find Loan Underwriter JobsLoan Underwriter Job Market
Who's Hiring
Top Industries Hiring
- Banking & Financial Services
- Consulting & Professional Services
What Employers Look For
The qualifications that appear most often in loan underwriter jobs.
- Three to five years of experience underwriting conventional, FHA, or VA loans
- Proficiency with Desktop Underwriter and Loan Prospector automated systems
- Working knowledge of federal lending regulations including TRID and RESPA
- Bachelor's degree in finance, business, or a closely related field
- Certified Mortgage Underwriter or similar industry credential preferred
- Experience reviewing tax returns, pay stubs, and credit reports for income analysis
Tips for Your Loan Underwriter Job Search
Quantify your approval and denial decisions
Loan underwriters who list volume metrics on their resume stand out immediately. Note how many files you reviewed weekly, what loan types you cleared, and whether your decision accuracy held up under QC audit. Vague claims about 'reviewing applications' get passed over.
List every DU and LP system you have used
Job postings for loan underwriters almost always specify Desktop Underwriter, Loan Prospector, or proprietary LOS platforms. Match your resume to whatever system the posting names. If you have used both GSE engines, call that out explicitly rather than burying it under general software skills.
Target postings by loan type, not just title
A residential mortgage underwriter and a commercial credit underwriter are evaluated very differently. Search by loan type alongside the title so you find roles where your file experience actually transfers. Applying to the wrong specialty slows you down even when your credentials look right on paper.
Apply early to roles that fit
Migrate Mate lists loan underwriter openings from across the United States in one place, so you can find roles that match and apply directly to each listing. Getting your application in early matters most for roles that specify a certification or a niche product type.
Prepare a scenario answer for a borderline file
Interviewers for underwriting roles consistently ask how you handle a loan that sits on the edge of approval. Walk through how you document compensating factors, escalate to a senior reviewer, or issue a conditional approval. Vague process descriptions are red flags to hiring managers who do this work daily.
Negotiate around file volume expectations
Before accepting an offer, ask how many files are expected per day and what the QC error threshold is. Those two numbers define your workload and performance standard more than the title does. Knowing them upfront lets you evaluate whether the role is a realistic fit before you start.
Loan Underwriter Jobs: Frequently Asked Questions
Which companies are hiring the most loan underwriters?
First Fed, Grand Pacific Financing, and EECU are hiring the most loan underwriters right now, with openings concentrated in California, Texas, and New York, based on current listings on Migrate Mate as of November 2026. Demand tends to be highest at institutions with active retail mortgage or commercial lending divisions.
How many loan underwriter jobs are remote?
About 36% of loan underwriter openings are fully remote or hybrid as of November 2026, reflecting how much of the file review process moved online after widespread adoption of digital document platforms. Residential mortgage underwriting and consumer loan review roles tend to have the highest share of remote-eligible positions compared to commercial credit roles, which more often require on-site presence.
How do you become a loan underwriter?
Start by building foundational knowledge in lending, credit analysis, or financial services, often through a finance or business degree or entry-level roles like loan processor or credit analyst. From there, develop hands-on experience with automated underwriting systems and loan origination software. Many employers also look for candidates who have earned or are pursuing a recognized underwriting certification, which signals that you understand GSE guidelines and regulatory requirements in depth.
Can you get hired as a loan underwriter with little experience?
Yes, some lenders hire candidates into junior or trainee underwriter roles if you come from adjacent positions such as loan processor, loan officer assistant, or credit analyst. The key is demonstrating that you can read a credit report, verify income documents, and understand the basics of debt-to-income and loan-to-value ratios. Highlighting any direct exposure to file review or compliance documentation makes a strong case even without a full underwriting title on your resume.
What does the loan underwriter interview process look like?
Most loan underwriter interviews involve a phone or video screen with a recruiter, followed by a technical interview with a hiring manager or underwriting team lead. That second round typically includes scenario-based questions where you walk through how you would handle a specific file type, a borderline credit situation, or a documentation gap. Some employers also administer a written or timed file review exercise before extending an offer.
Where can I find and apply to loan underwriter jobs?
You can find and apply to loan underwriter jobs on Migrate Mate, which lists current openings from across the United States in one place. Search for roles that match your loan type experience and seniority level, then apply directly to each listing that fits. Checking back regularly helps you catch new postings before they fill.
See All 50 Loan Underwriter Jobs
Find roles that match your experience and apply in just a few clicks.
Find Loan Underwriter Jobs