Government Mortgage Underwriter

CMG Financial is seeking experienced Government Mortgage Underwriters with active FHA (DE) and VA (SAR/LAPP) designations. This role is responsible for executing underwriting decisions in accordance with company policies, investor guidelines, and regulatory requirements. The Underwriter plays a critical role in ensuring sound credit decisions that protect the financial and operational interests of the organization.

Will be supporting the Northeast UW Region

Essential Duties and Responsibilities

• Underwrite FHA and VA loans while maintaining active government designations (DE/SAR/LAPP).
• Underwrite additional loan products, including but not limited to Conventional, Bond, USDA, Renovation, and Construction loans.
• Maintain a production level of 45+ initial underwrites per month.
• Communicate regularly with Loan Officers and/or Processors regarding loan status using current technology platforms.
• Review files and check orders as conditions are cleared and new information is received.
• Maintain up-to-date knowledge of current loan products, guidelines, and underwriting policies.
• Provide leadership and guidance related to underwriting resources and credit policy execution within the team.
• Maintain accurate and detailed conversation logs in Byte to ensure proper tracking of loan progress.
• Assist with training and mentoring of other mortgage-related positions as needed.
• Complete ad hoc reporting as requested.
• Perform other duties as assigned.

Qualifications and Experience

• Minimum of five (5) years of recent government underwriting experience.
• Active and valid CHUMS and LAPP/SAR credentials required to underwrite FHA and VA loans.
• Must have worked as a frontline underwriter within the past 12 months.
• Recent experience underwriting Conventional loans required.
• Strong preference for experience with one or more of the following loan types: Bond, USDA, Renovation, and Construction.
• Demonstrated proficiency with DU and LP, including accurate data input, interpretation, documentation, and communication of findings.
• Intermediate proficiency with Microsoft Word, Excel, and email systems.
• Ability to work effectively in a fast-paced, dynamic environment.
• Strong communication, interpersonal, and organizational skills.
• Proven leadership abilities.
• High level of integrity with a demonstrated ability to maintain confidentiality.

Supervisory Responsibilities: Direct Reports: N/A

Physical and Environmental Conditions

This role operates in an ADA compliant office environment, utilizing typical office equipment and tasks including computer work. The position may involve partial stationary positions and moving throughout the day. Flexibility to work overtime to meet project deadlines is required.

Base Compensation Information For residents of the states of CA & CO, and for New York City + other areas requiring disclosure: CMG pays a competitive base which ranges from $90,000 - $105,000+ as well as per file bonus and OT as needed.

Factors that affect base salary may include: Underwriter experience including active FHA and VA designations, overall knowledge, number of years worked in mortgage industry, types of roles performed, computer skills, experience specific to working with mortgage lenders, and education.

CMG Financial is an equal opportunity employer and does not unlawfully discriminate in employment decisions. CMG will consider all qualified applicants without regard to race, religion, national origin, sex, age, veteran status, disability, familial status, marital status, actual or perceived sexual orientation, or actual or perceived gender identity. Applicants requiring reasonable accommodation to the application and/or interview process should notify a representative of CMG Financial or reach out to recruiting@cmgfi.com.