Senior Mortgage Underwriter - (Remote)

Location Options

This position is fully remote within Zions Bancorporations footprint.

Key Responsibilities

• Review, analyze, and underwrite residential mortgage applications according to company policies, investor standards, and regulatory requirements.
• Analyze income, assets, credit documentation, employment history, credit reports, debt ratios, and loan-to-value (LTV) metrics to determine borrower creditworthiness.
• Evaluate the collateral/property appraisal when applicable.
• Recommend loan terms or conditions as necessary.
• Review system-generated documentation and ensure completeness and accuracy.
• Gather additional information when needed to support loan decisions.
• Communicate lending decisions and respond to inquiries from affiliate banks, loan centers, and branch personnel.
• Maintain accountability for risk elevation and adherence to underwriting policies and procedures.
• Exercise independent judgment on unusually complex problems.
• Stay abreast of changes to federal and state laws/regulations affecting consumer lending.
• Perform other duties as assigned.

Qualifications

• 5 years' experience with government mortgage underwriting (FHA and VA).
• 5 years' experience with agency and/or portfolio mortgage underwriting.
• Active FHA DE and VA SAR designations are required.
• Proficiency with mortgage software and related tools, including Encompass 360 (LOS), Desktop Underwriter (DU), and Loan Product Advisor (LPA).
• Extensive knowledge of mortgage credit, underwriting concepts, and loan documentation.
• Proven ability to review and analyze complex income scenarios, assets, credit reports, debt ratios, and LTV calculations.
• Strong understanding of federal and state consumer lending regulations.
• Ability to make sound, consistent credit decisions with a high degree of accuracy.
• Exceptional attention to detail and ability to maintain quality while managing high loan volume.
• Strong written and verbal communication and customer service skills.
• Ability to handle confidential information professionally.

Benefits

• Salary range: $39.56 -- $58.03 per hour depending on experience plus a performance-based incentive plan.
• Medical, Dental and Vision Insurance - START DAY ONE!
• Life and Disability Insurance, Paid Parental Leave and Adoption Assistance.
• Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts.
• Paid Training, Paid Time Off (PTO). (PTO covers both sick and vacation days without distinguishing between them), 11 Paid Federal Holidays, and any applicable state holidays.
• 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience.
• Mental health benefits including coaching and therapy sessions.
• Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire.
• Employee Ambassador preferred banking products.