DE Mortgage Underwriter

Loan Operations · SCOTTSDALE, Arizona
Department Loan Operations
Employment Type Full-Time

Please click on the link below in order to apply for the position.

We are growing our amazing team and want you to be part of it! We are located in the sunny city of Scottsdale, AZ, and offer competitive compensation/full benefits package. Now is the time to make a change! 

Well capitalized, high-tech, operationally sound retail mortgage lender looking for a Mortgage Underwriter with excellent knowledge of all mortgage products (Conv, FHA, VA, Jumbo, Bond).  Experience with purchase loans is a must.  Generous comp plan with health, dental, and vision available. 

What you'll do...

  • Underwrites 4 – 6 Conventional, USDA, FHA, and VA loans within company, investor, and industry guidelines per day with a standard turnaround time of 24 - 48 hours.
  • Valid and current FHA Direct Endorsement (DE) certification required and SAR certification highly preferred
  • Maintains a current knowledge of loan programs.
  • Analyzes and issues credit decisions. Reviews and makes informed decisions on financial statements, credit reports and applicable ratios (i.e., DTI and LTV).
  • Analyzes risk appropriately by assessing property information including: purchase contract, escrow instructions, and preliminary title report.
  • Evaluates/examines transactions to ensure accuracy and completeness. Ensures documents are consistent and compliant. Identifies red flags on documentation.
  • Assists with renegotiation of loans based on lending guidelines.
  • Gathers information from agency materials to make appropriate decisions. Assigns and signs off on appropriate loan conditions.
  • Assists Processing Department with problematic files to expedite submissions.
  • Effectively explains rationale behind credit decision to internal customers and/or auditors.
  • Answers program guideline and borrower qualification questions from loan consultants and processors.
  • Communicates effectively with internal staff to maintain high level of customer service.
  • Calculates complex income scenarios.
  • Performs other duties and projects as assigned.

Who you are...

High school diploma or equivalent

Minimum of three (3) + years of successful Conventional, FHA, and VA underwriting experience required.

Valid and current FHA Direct Endorsement (DE) certification required and SAR certification highly preferred.

Proficiency in Desktop Underwriter (DU) and Loan Prospector (LP) Programs required.

Preferred Skills/Experience

Experience with Encompass highly preferred

Proficient knowledge lending compliance and regulations, loan systems and loan documentation

Must be accurate, detail-oriented and have the ability to multi-task

 Must have good audit, pc and customer service skill loan principles


Why you want to work with us…what makes us awesome!

Minute Mortgage is a technology-based mortgage company dedicated to making a simpler and more cost-effective mortgage process. We are backed by a large company that has been in the Valley for 20 years! We believe technology and the internet improve the home lending experience, but our employees make us truly exceptional.

We have a passion for our employees and our clients, and we encourage a positive and collaborative approach to our daily routine.

Think big, have a few laughs, work hard, play hard. Repeat.

The Perks:


  • Comprehensive benefits package including Medical, Dental, Vision...and Pet Insurance (because we love your dogs as much as you do!)
  • 401K with company match
  • PTO
  • Paid Holidays
  • Professional Development Programs
  • Charitable Contributions and Events
  • Advancement and Career Opportunities

Apply today and become part of the Bamily!

RollPay companies: HomeSmart International, Equitable Title Agency, Minute Mortgage, and Platinum Home Warranty.


We're an equal opportunity employer. All applicants will be considered for employment without attention to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.


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  • Location
    SCOTTSDALE, Arizona
  • Department
    Loan Operations
  • Employment Type