NMS · 1 week ago
Remote DE Underwriter- California Residents only
United States
Full-time
Remote
Mid, Senior Level
$70K/yr - $100K/yr
5+ years expNMS is a growing California-based mortgage lender seeking an experienced Senior DE Underwriter. This fully remote position requires a strong underwriting background and the ability to analyze complex borrower profiles, ensuring compliance with investor and agency standards.
RecruitingStaffing Agency
Responsibilities
Underwrite and issue loan decisions for Fannie Mae, Freddie Mac, and FHA mortgage loans
Analyze personal and business tax returns, income, assets, credit, and collateral
Evaluate WVOE, P&L, Bank Statement, DSCR, and Asset-based documentation
Ensure loans meet investor and agency compliance standards
Communicate underwriting decisions and conditions clearly to internal teams
Collaborate with Account Managers, Loan Officers, and Brokers to resolve conditions quickly
Maintain accuracy, efficiency, and strong turn times in a high-volume environment
Qualification
Required
Minimum 5 years of residential mortgage underwriting experience
Active FHA Direct Endorsement (DE) required. (used within past 11 months)
Proficient in Encompass LOS, CoreLogic FraudGuard, and AUS systems (DU, LPA, Total Scorecard)
Strong working knowledge of Agency and FHA guidelines
Skilled at income calculation for self-employed borrowers
Must be currently employed in the mortgage industry (no gaps exceeding 12 months)
Must reside in California
Preferred
Experience with Non-QM or alternative documentation loans preferred
Benefits
Health Insurance
SIMPLE IRA (3% match)
PTO
5 sick days
Company
NMS
NMS (National Mortgage Staffing), we specialize in providing top-notch direct hire and temporary recruitment services tailored to your company’s needs in the financial industry.
51-200 employees
Funding
Current Stage
Growth StageLeadership Team
Angela Gleason
Chief Executive Officer
Company data provided by crunchbase