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Government Underwriter

Remote

 

šŸ” About Us
At eLEND, weā€™re modernizing mortgage ā€” combining human expertise with smart automation and AI-powered tools to create faster, simpler, and more personalized home financing experiences. We believe technology is only as powerful as the people behind it, which is why weā€™re building a team that values innovation, accountability, and inclusion. Every role here is a chance to be part of shaping the future of mortgage.

āœØ Why This Role Matters
As a Government Underwriter, youā€™ll play a vital role in ensuring eLENDā€™s commitment to responsible lending and loan quality. Youā€™ll evaluate and approve government-backed mortgage loans ā€” including FHA, VA, and USDA ā€” with precision and compliance expertise. Your work directly impacts eLENDā€™s reputation for accuracy, consistency, and trust with borrowers and investors.

šŸ› ļø Key Responsibilities

  • Analyze loan applications, credit reports, income and asset documentation, appraisals, and all supporting data for accuracy and compliance.

  • Review loan-to-value (LTV) and debt-to-income (DTI) ratios to determine borrower creditworthiness.

  • Calculate borrower income and evaluate residential appraisals for FHA, VA, and USDA loans.

  • Identify and address potential credit or collateral risks early in the process.

  • Communicate efficiently with processors, loan officers, and internal partners to obtain missing documentation or clarify details.

  • Ensure complete and accurate loan file data integrity prior to approval.

  • Review and mitigate Quality Control (QC) findings, providing coaching or corrective guidance where appropriate.

  • Maintain up-to-date knowledge of government lending guidelines, investor requirements, and regulatory changes.

  • Collaborate closely with setup, processing, sales, and closing teams to ensure a smooth, timely loan experience.

  • Communicate underwriting decisions and conditions clearly to internal and external partners.

  • Uphold eLENDā€™s compliance standards and ensure adherence to all applicable federal, state, and investor regulations.

šŸŽÆ What You Bring

  • Strong understanding of FHA, VA, and USDA underwriting guidelines.

  • Knowledge of conventional mortgage products and investor requirements.

  • High level of accuracy, attention to detail, and analytical thinking.

  • Excellent decision-making, problem-solving, and communication skills.

  • Proficiency in mortgage loan origination systems (Encompass preferred).

  • Ability to work independently while maintaining alignment with team objectives.

  • Adaptability to a fast-paced environment with changing priorities.

  • Commitment to quality, integrity, and superior customer service.

šŸ“† A Day in the Life
Your day may include:

  • Reviewing complex loan files to determine eligibility and compliance.

  • Partnering with loan officers and processors to clarify or condition files.

  • Responding to QC findings and ensuring corrective actions are completed.

  • Staying informed on regulatory and guideline updates.

  • Supporting training efforts or cross-department collaboration to improve loan quality.

šŸ’¼ Growth Path
This role provides strong visibility across eLENDā€™s Operations and Risk Management teams. Future opportunities may include:

  • Senior Government Underwriter

  • Credit Risk Analyst

  • Underwriting Team Lead or Manager

  • Compliance or Quality Control roles

šŸ’° Compensation & Benefits

  • $41.00ā€“$44.00/hour (competitive based on experience and designations)

  • Comprehensive health, dental, and vision benefits

  • 401(k) plan

  • Generous PTO and paid holidays

  • Fully remote opportunity with flexible scheduling

  • Career development within eLENDā€™s growing underwriting and credit risk functions

šŸŒˆ Equal Opportunity for All
At eLEND, we recognize and celebrate the value diverse perspectives bring to our team. Weā€™re an equal opportunity employer, committed to making hiring decisions based on talent, experience, and potential ā€” regardless of race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status.

šŸ’¬ Ready to Join Us?
If youā€™re a detail-oriented underwriting professional with deep knowledge of government loan programs and a passion for loan quality, weā€™d love to hear from you. Apply today and help eLEND deliver responsible lending solutions that empower borrowers nationwide.

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