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Role Description

As a Government Underwriter, you’ll play a vital role in ensuring eLEND’s commitment to responsible lending and loan quality. You’ll evaluate and approve government-backed mortgage loans — including FHA, VA, and USDA — with precision and compliance expertise. Your work directly impacts eLEND’s reputation for accuracy, consistency, and trust with borrowers and investors.

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 eLEND’s compliance standards and ensure adherence to all applicable federal, state, and investor regulations.

Qualifications

• 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.

Growth Path

• Senior Government Underwriter
• Credit Risk Analyst
• Underwriting Team Lead or Manager
• Compliance or Quality Control roles

Compensation & Benefits

• $41.00–$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 eLEND’s growing underwriting and credit risk functions

Equal Opportunity for All

At eLEND, we recognize and celebrate the value diverse perspectives bring to our team. We’re an equal opportunity employer, committed to making hiring decisions based on talent, experience, and potential — regardless of race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status.

Ready to Join Us?

If you’re a detail-oriented underwriting professional with deep knowledge of government loan programs and a passion for loan quality, we’d love to hear from you. Apply today and help eLEND deliver responsible lending solutions that empower borrowers nationwide.