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Conventional Underwriter Jobs (NOW HIRING)

Seacoast Bank

Mortgage Loan Underwriter

Miami, FL · On-site

Underwrite conventional and government loan products (FNMA, Freddie Mac, FHA, VA, USDA/Rural Development, and applicable portfolio or specialty programs) with a focus on investment-quality and ...

Plaza Home Mortgage, Inc.

Sr. Underwriter

San Diego, CA · Remote

$40.86 - $50.48/hr

Types of consumer loan applications include, but are not limited to Conventional, Jumbo, FHA, VA ... May underwrite one or all of the following loan types: Conventional, Jumbo, FHA, 2013k, VA, and ...

AMERICAN BANCSHARES MORTGAGE LLC

Underwriter

Miami, FL · On-site

The Underwriter may be involved in one or several types of mortgage lending including, but not limited to, conventional, FHA, government, USDA, etc. Duties and responsibilities * Reviews and analyzes ...

Plaza Home Mortgage, Inc.

Sr. Underwriter

San Diego, CA · On-site

$40.86 - $50.48/hr

Types of consumer loan applications include, but are not limited to Conventional, Jumbo, FHA, VA ... May underwrite one or all of the following loan types: Conventional, Jumbo, FHA, 2013k, VA, and ...

Plaza Home Mortgage

Sr. Underwriter

San Diego, CA · On-site

$56 - $70/hr

Types of consumer loan applications include, but are not limited to Conventional, Jumbo, FHA, VA ... May underwrite one or all of the following loan types: Conventional, Jumbo, FHA, 2013k, VA, and ...

Mortgage Solutions of Georgia

Underwriter

Description Our top-notch lending team is looking for a goal-driven Mortgage Underwriter to assist with making quality decisions on VA, FHA, and conventional loans for clients. Your main ...

Plaza Home Mortgage

$56 - $70/hr

Types of consumer loan applications include, but are not limited to Conventional, Jumbo, FHA, VA ... May underwrite one or all of the following loan types: Conventional, Jumbo, FHA, 2013k, VA, and ...

Homexpress Mortgage Corp

Underwriter

Tampa, FL

$70K - $80K/yr

Knowledge of Conventional loan products, underwriting procedures, creditor financial analysis techniques, investor requirements and escrow/title practices, as well as regulatory compliance laws as ...

Homexpress Mortgage Corp

Underwriter

Santa Ana, CA

$70K - $80K/yr

Knowledge of Conventional loan products, underwriting procedures, creditor financial analysis techniques, investor requirements and escrow/title practices, as well as regulatory compliance laws as ...

HomeXpress Mortgage Corp

Underwriter

Tampa, FL · On-site +1

$70K - $80K/yr

Knowledge of Conventional loan products, underwriting procedures, creditor financial analysis techniques, investor requirements and escrow/title practices, as well as regulatory compliance laws as ...

Grbbank

Senior Underwriter

Rochester, NY · On-site

$59.59 - $66.24/hr

Underwrite Conventional and Government (FHA, VA, USDA) residential mortgage loans for sale in the secondary market, as well as Non-QM, GRB Portfolio Loans, Construction loans, and home equity lines ...

HomeXpress Mortgage Corp

Underwriter

Santa Ana, CA · On-site +1

$70K - $80K/yr

Knowledge of Conventional loan products, underwriting procedures, creditor financial analysis techniques, investor requirements and escrow/title practices, as well as regulatory compliance laws as ...

SRM Digital

Mortgage Underwriter

Cincinnati, OH · On-site

Minimum 24-36 months of conventional mortgage underwriting/QA/QC experience * Knowledge of full loan cycle (from beginning to end) * Strong understanding of Desktop Underwriter (DU) and Loan ...

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How much do conventional underwriter jobs pay per hour?

As of Sep 7, 2026, the average hourly pay for conventional underwriter in the United States is $37.82, according to ZipRecruiter salary data. Most workers in this role earn between $36.78 and $38.94 per hour, depending on experience, location, and employer.

What is a conventional underwriter?

A Conventional Underwriter is a financial professional who evaluates and approves or denies loan applications, specifically for conventional (non-government-backed) mortgage loans. Their main responsibilities include reviewing borrowers' credit histories, incomes, assets, and property appraisals to ensure the loan meets the lender’s and investor’s guidelines. They play a crucial role in managing risk for lenders by ensuring loans are given to qualified applicants. Conventional Underwriters often work for banks, mortgage companies, or other lending institutions. They also ensure compliance with federal and state regulations during the loan approval process.

What are the key skills and qualifications needed to thrive as a conventional underwriter?

To thrive as a Conventional Underwriter, you need a solid understanding of mortgage lending guidelines, risk assessment, and financial analysis, typically supported by a background in finance or relevant certifications like DE or SAR. Familiarity with loan origination systems (LOS), automated underwriting systems (AUS) such as DU and LP, and proficiency in spreadsheet software are commonly required. Attention to detail, strong decision-making, and effective communication are essential soft skills for evaluating complex loan files and collaborating with loan officers. These abilities ensure accurate risk assessment, regulatory compliance, and timely processing of loan applications, which are critical for successful mortgage operations.

What are some common challenges faced by conventional underwriters and how can they be managed effectively?

Conventional Underwriters often face challenges such as evaluating complex borrower profiles, keeping up with evolving lending regulations, and managing tight turnaround times for loan approvals. To manage these effectively, it's important to stay updated on current guidelines from agencies like Fannie Mae and Freddie Mac, utilize automated underwriting systems efficiently, and maintain clear communication with loan officers and processors. Building strong analytical skills and being detail-oriented can also help underwriters make informed, compliant decisions while meeting productivity goals.

What is the difference between Conventional Underwriter vs FHA Underwriter?

AspectConventional UnderwriterFHA Underwriter
CertificationsTypically requires mortgage underwriting certificationsSame certifications often required
Work EnvironmentWorks for banks, lenders, and mortgage companiesWorks for FHA-approved lenders and agencies
Industry UsageCommon in private mortgage lendingSpecific to FHA loan programs
Loan TypesConventional loans, conforming loansFHA loans, government-backed loans

While both Conventional Underwriters and FHA Underwriters assess mortgage applications, they specialize in different loan types and work within different lending frameworks. Conventional Underwriters handle private, conforming loans, whereas FHA Underwriters focus on government-backed FHA loans. Understanding these differences helps borrowers and lenders navigate the mortgage process effectively.

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Conventional Underwriter jobs near you
Infographic showing various Conventional Underwriter job openings in the United States as of August 2026, with employment types broken down into 93% Full Time, 5% Part Time, 1% Contract, and 1% Nights. Highlights an 93% Physical, 2% Hybrid, and 5% Remote job distribution, with an average salary of $78,666 per year, or $37.8 per hour.

Residential Underwriter

Imagine Staffing Technology

Amherst, NY • On-site

$80K - $95K/yr

Other

This job post has expired today. Applications are no longer accepted.

Job description

Job Description
Job Description
Job Title: Residential Underwriter
Location: Amherst, NY
Hire Type:Direct Hire
Pay Range: $80,000 - $95,000
Work Type: Full-time
Work Model: Onsite
Work Schedule: Monday – Friday, 8am – 5pm
RecruiterContact:Karissa Lubberts / 716.256.1254 / klubberts@imaginestaffing.net
Nature & Scope:
Positional Overview
Imagine Staffing is recruiting for a Residential Underwriteron behalf of our client, a leading technology and engineering solutions provider in Amherst, NY specializing in advanced manufacturing and precision automation, serving customers across industries with innovative products and custom-engineered systems. The organization focuses on delivering high-quality solutions through collaboration, continuous improvement, and a commitment to operational excellence and customer satisfaction.
In this role you will be responsible for evaluating residential mortgage loan applications to determine creditworthiness and compliance with lending guidelines. You will analyze financial documentation, assess risk, collaborate with loan officers and processors to resolve outstanding conditions, and make sound underwriting decisions while ensuring regulatory compliance and a high level of customer service.
Role & Responsibility:
Tasks That Will Lead to Your Success
  • Perform comprehensive representation and warranty reviews of previously originated mortgage loans.
  • Assess borrower creditworthiness and evaluate compliance with underwriting, closing, and investor guidelines.
  • Review and validate income, assets, liabilities, credit reports, appraisals, title documentation, and supporting loan documentation.
  • Recalculate income, assets, debt-to-income ratios (DTI), and other underwriting metrics as required.
  • Analyze complex self-employed borrower tax returns and financial statements.
  • Evaluate collateral quality through appraisal reviews and related valuation tools.
  • Review fraud detection reports and identify potential risk factors.
  • Review preliminary and final title policies to ensure compliance and marketability.
  • Ensure adherence to federal and state mortgage regulations, including TRID, QM/ATR, TILA, RESPA, Fair Lending, and Reg Z requirements.
  • Document review findings clearly, accurately, and professionally.
  • Identify material exceptions and provide recommendations for remediation.
  • Maintain current knowledge of regulatory updates, investor requirements, and underwriting guidelines.
  • Assist with User Acceptance Testing (UAT) for internal system enhancements and updates.
  • Support reviews of transaction and deal documentation as needed.
  • Follow internal procedures, workflows, and quality control standards.
  • Collaborate effectively with team members while maintaining the ability to work independently.
  • Timely completion of assigned underwriting and due diligence reviews.
  • Accuracy and quality of underwriting analyses and documentation.
  • Clear, concise, and well-supported reporting of findings.
  • Consistent adherence to internal procedures and quality standards.
  • Effective management of workload and deadlines.
Skills & Experience
Qualifications That Will Help You Thrive
  • College Degree in business or related field preferred.
  • 5–7 years of experience in the residential mortgage industry.
  • Minimum 3–5 years of recent mortgage underwriting experience.
  • Experience reviewing Conventional, Non-Conventional, FHA, VA, Jumbo, Non-QM, and Business Purpose loans.
  • Quality Control (QC) auditing and forensic loan review experience preferred.
  • Experience working with multiple lenders, originators, and investor guidelines is highly desirable.
  • Experience with condominium and cooperative (co-op) reviews preferred.
  • Loan closing experience is a plus.
  • Strong understanding of residential mortgage underwriting, loan documentation, and title review processes.
  • Knowledge of secondary market requirements and investor underwriting guidelines.
  • Familiarity with mortgage compliance regulations, including TRID, RESPA, TILA, QM/ATR, Fair Lending, and Regulation Z.
  • Experience using industry tools such as:

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