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Government Underwriter Jobs (NOW HIRING)

Northpointe Bank

Senior Underwriter

Grand Rapids, MI · On-site

$70K/yr

We're hiring a Senior Underwriter to underwrite a full range of mortgage loans, including government, bond, and conventional products, while ensuring compliance with investor and internal guidelines.

Northpointe Bank

Senior Underwriter

Grand Rapids, MI · On-site

$94K - $111K/yr

We're hiring a Senior Underwriter to underwrite a full range of mortgage loans, including government, bond, and conventional products, while ensuring compliance with investor and internal guidelines.

Genesee Regional Bank

Senior Underwriter

Rochester, NY · On-site

$43.26 - $48.08/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 ...

Genesee Regional Bank

Senior Underwriter

Rochester, NY · On-site

$43.26 - $48.08/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 ...

The World Bank Group

Underwriter

Washington, DC · On-site

... government) Collaborate with risk management officers and the transaction team to conduct ... Underwriters, Sector Managers, and Regional Heads, support MIGA's new business origination and ...

New

World Bank

Underwriter

Washington, DC

... government) Collaborate with risk management officers and the transaction team to conduct ... Underwriters, Sector Managers, and Regional Heads, support MIGA's new business origination and ...

New

Mortgage Solutions of Georgia

Underwriter

... government regulations, and standards for sale to the secondary market. In addition, you will be ... If you're a self-driven Underwriter with USDA experience, DE and SAR certified, motivated ...

AMERICAN BANCSHARES MORTGAGE LLC

Underwriter

Hialeah, 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 ...

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 ...

PREMIUM MORTGAGE CORPORATION

Underwriter

Latham, NY · On-site

$72K - $90K/yr

The Underwriter is responsible for evaluating risk and making loan decisions based on existing ... Stays up to date on changing rules and regulations pertaining to conventional and government ...

PREMIUM MORTGAGE CORPORATION

Underwriter

Buffalo, NY · On-site

$72K - $90K/yr

The Underwriter is responsible for evaluating risk and making loan decisions based on existing ... Stays up to date on changing rules and regulations pertaining to conventional and government ...

Silverton Mortgage

Senior Underwriter

Atlanta, GA · On-site

$94K - $112K/yr

Stays abreast of current trends in the mortgage industry (investor, agency, and government guidelines), changes in regulations and market conditions to ensure that underwriting processes remain ...

Silverton Mortgage

Senior Underwriter

Atlanta, GA · Remote

$94K - $112K/yr

Stays abreast of current trends in the mortgage industry (investor, agency, and government guidelines), changes in regulations and market conditions to ensure that underwriting processes remain ...

Seacoast Bank

Mortgage Loan Underwriter

Stuart, FL

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 ...

Seacoast Bank

Mortgage Loan Underwriter

Miami, FL

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

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All JobsGovernment Underwriter Jobs

Government Underwriter information

See salary details

$32.5K

$78.9K

$139.5K

How much do government underwriter jobs pay per year?

As of Jul 31, 2026, the average yearly pay for government underwriter in the United States is $78,878.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $87,000.00 per year, depending on experience, location, and employer.

What are the main challenges a Government Underwriter faces in their day-to-day work?

A Government Underwriter often encounters the challenge of staying current with frequently changing federal regulations and program guidelines, which requires regular training and upskilling. Another key challenge is balancing the need for thorough risk assessment with efficient turnaround times, especially during periods of high loan volume. Underwriters also work closely with loan officers, processors, and compliance teams to resolve issues and ensure that all documentation meets strict government standards. Successfully navigating these challenges is essential for minimizing lending risks and maintaining strong performance metrics.

What is a Government Underwriter job?

A Government Underwriter is responsible for evaluating loan applications to ensure they meet federal guidelines for government-backed programs, such as FHA, VA, or USDA loans. They assess borrowers' financial profiles, credit history, and property details to determine risk and compliance. Their role is crucial in protecting lenders and government agencies from potential losses while ensuring eligible applicants receive funding. Strong analytical skills, knowledge of lending regulations, and attention to detail are essential for success in this role.

Can I become an underwriter with no experience?

Government underwriters typically require some background in finance, insurance, or related fields, but entry-level positions may be available for candidates with strong analytical skills and relevant education. Gaining certifications such as the Chartered Property Casualty Underwriter (CPCU) can improve prospects, and on-the-job training is common for new hires. Prior experience is not always mandatory, but understanding underwriting principles and tools is beneficial.

What is the highest paying underwriting job?

Senior executive roles such as Chief Underwriting Officer or Vice President of Underwriting typically have the highest salaries in underwriting careers. These positions require extensive experience, leadership skills, and often involve overseeing large teams or strategic decision-making, resulting in compensation that can exceed six figures annually.

Will AI replace underwriting?

AI is increasingly used in underwriting to automate data analysis and risk assessment, improving efficiency and consistency. However, human underwriters still play a vital role in complex decision-making, interpreting nuanced information, and applying judgment that AI cannot replicate fully.

What are the key skills and qualifications needed to thrive in the Government Underwriter position, and why are they important?

To thrive as a Government Underwriter, you need a deep understanding of loan underwriting principles, federal housing program requirements (such as FHA, VA, or USDA), and a relevant degree or certification. Experience with underwriting software platforms like Encompass or DU/LP automated systems, as well as compliance expertise, are highly valued. Attention to detail, analytical thinking, and strong communication skills set top candidates apart in this role. These abilities ensure accurate risk assessment, regulatory compliance, and effective collaboration with borrowers and lending teams.

What is a government underwriter?

A government underwriter is a professional responsible for evaluating and assessing risks related to government-backed insurance programs, loans, or securities. They analyze financial data, ensure compliance with regulations, and determine appropriate terms for government-related financial products, often requiring knowledge of government policies and underwriting standards.
More about Government Underwriter jobs
What cities are hiring for Government Underwriter jobs? Cities with the most Government Underwriter job openings:
What are the most commonly searched types of Government Underwriter jobs? The most popular types of Government Underwriter jobs are:
What states have the most Government Underwriter jobs? States with the most job openings for Government Underwriter jobs include:
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Government Underwriter jobs near you
Infographic showing various Government Underwriter job openings in the United States as of July 2026, with employment types broken down into 91% Full Time, 7% Part Time, and 2% Contract. Highlights an 93% Physical, 2% Hybrid, and 5% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Senior Underwriter

Northpointe Bank

Grand Rapids, MI • On-site

$70K/yr

Full-time

Medical, Dental, Vision, Life, Retirement

Re-posted yesterday

Job description

The POWER of a CAREER!
At Northpointe Bank, we believe your career should empower you - to grow, contribute, and find purpose. We're hiring a Senior Underwriter to underwrite a full range of mortgage loans, including government, bond, and conventional products, while ensuring compliance with investor and internal guidelines.
This role is ideal for an experienced mortgage underwriter with deep product knowledge, a keen eye for detail, and the ability to assess risk and mentor others in a high-volume environment.
What You'll Do:
  • Underwrite mortgage loans in accordance with investor, agency, and government guidelines (FHA, VA, USDA/RD, MHSDA, OHFA, Fannie Mae, Freddie Mac)
  • Review loan documentation, disclosures, and supporting materials to ensure completeness, accuracy, and compliance
  • Maintain and apply expertise in automated underwriting systems (DU, LP, GUS)
  • Identify and escalate potential fraud or discrepancies during the underwriting review
  • Serve as a resource for internal teams, offering guidance on scenarios and resolving escalated issues
  • Provide training and mentorship to new and existing underwriters
  • Collaborate with processors, loan officers, and closers to meet SLAs and closing timelines
  • Manage assigned loan pipeline efficiently to meet production goals
  • Maintain compliance with TRID, ECOA, HMDA, and other applicable regulations
  • Support quality control efforts and respond to audit and post-closing findings

What You Bring:
  • Minimum 10 years of mortgage underwriting experience, including government and conventional loan products and state bond programs
  • High school diploma or equivalent required; college degree in finance or business preferred
  • Extensive knowledge of mortgage processing, closing, and investor guidelines
  • Proficiency with Microsoft Office (Word, Excel, Outlook) and mortgage loan origination systems
  • Strong analytical, decision-making, and problem-solving skills
  • Excellent communication skills and ability to work both independently and collaboratively
  • Experience in training and mentoring other team members
  • Ability to manage multiple priorities in a fast-paced, high-volume environment

Why Join Northpointe?
We offer a collaborative work environment where your expertise directly supports the Bank's success. You'll have the opportunity to underwrite diverse loan products, share your knowledge, and contribute to the success of a high-performing team.
Our Hiring Philosophy
Northpointe Bank recognizes that the quality of our people is the foundation for our success. Attracting individuals who value a challenging work environment that rewards the contributions of its people is the cornerstone of our hiring philosophy.
It is the policy of Northpointe Bank and its subsidiaries to provide equal employment opportunities (EEO) to all persons regardless of age, race, sex, religion, national origin, handicap, marital status, or other attributes not pertinent to the job requirements. This policy reflects our practice of making all employment decisions, from recruitment to promotions, based on an individual's qualifications without discrimination on any basis.
Benefit Information:
  • Medical
  • Dental
  • Vision
  • Life, LTD, & AD&D
  • Dependent Care Spending Plan (DCSA)
  • Employer Stock Ownership Plan with 401(k) feature and company match
  • Complimentary Banking Services
  • Tuition Assistance

Ready to Apply?
If you're ready to bring your underwriting expertise to a team that values quality, service, and results, we want to hear from you. At Northpointe Bank, this is more than a job - it's the POWER of a CAREER.
AA - EOE

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