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Sar Underwriter Jobs (NOW HIRING)

Atlantic Bay

Underwriter

Direct Endorsement (DE) Certification and Staff Appraisal Reviewer (SAR) Certification preferred * Proficiency with DU and LP * Ability to underwrite all product types including Conventional, FHA, VA ...

Village Capital & Investment

Senior Underwriter

Henderson, NV · Remote

$100K - $119K/yr

Job Title: Senior Underwriter Location: Remote Job Type: Full-Time Company: Village Capital ... SAR/LAPP approval for VA loans (Preferred) Benefits: * 401(k) matching * Dental insurance * Health ...

Village Capital & Investment

Senior Underwriter

Henderson, NV · On-site

$96K - $114K/yr

Job Title: Senior Underwriter Location: Remote Job Type: Full-Time Company: Village Capital ... SAR/LAPP approval for VA loans (Preferred) Benefits: * 401(k) matching * Dental insurance * Health ...

Mortgage Solutions of Georgia

Underwriter

$65K/yr

... SAR and DE licenses and exceptional knowledge of conventional and/or government loan selling and underwriting guidelines (VA, FHA, Fannie Mae, Freddie Mac, etc.) • At least 5 years of mortgage ...

pmrloans

Mortgage Loan Underwriter

Meridian, ID

$70K - $90K/yr

SAR Preferred Position Summary: PMR is looking for a Full-Time Mortgage Underwriter to underwrite mortgage loans that adhere to various agency underwriting policy and procedures. Additionally ...

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Sar Underwriter information

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$32.5K

$78.9K

$139.5K

How much do sar underwriter jobs pay per year?

As of Jun 13, 2026, the average yearly pay for sar 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 is a SAR Underwriter?

A SAR Underwriter, or Staff Appraisal Reviewer Underwriter, is a mortgage professional authorized by the U.S. Department of Housing and Urban Development (HUD) to review, approve, and underwrite FHA loan applications. Their responsibilities include analyzing borrowers’ financial documents, assessing property appraisals, and ensuring all FHA guidelines are met before loan approval. SAR Underwriters play a crucial role in the mortgage process by helping lenders identify and mitigate risks, ensuring loans are compliant, and safeguarding the interests of both borrowers and lenders.

How to become a SAR underwriter?

To become a SAR underwriter, candidates typically need a bachelor's degree in finance, economics, or a related field, along with experience in underwriting or risk assessment. Strong analytical skills, knowledge of anti-money laundering regulations, and proficiency with underwriting software are also important. Professional certifications such as the Certified Anti-Money Laundering Specialist (CAMS) can enhance job prospects.

What are some common challenges faced by SAR Underwriters, and how can they be managed effectively?

SAR Underwriters often encounter challenges such as analyzing complex financial documents, staying updated with evolving regulatory requirements, and managing tight deadlines. Effective time management and strong attention to detail are crucial, as is continuous professional development to keep abreast of changes in FHA guidelines. Collaboration with loan processors, loan officers, and compliance teams also plays a key role in ensuring accuracy and efficiency throughout the underwriting process.

Will AI replace underwriting?

AI is increasingly used in underwriting to automate data analysis and risk assessment, enhancing efficiency and accuracy. However, human underwriters still play a vital role in complex decision-making, interpretation, and customer interaction, making full replacement unlikely in the near future.

What is the difference between Sar Underwriter vs Actuarial Analyst?

AspectSar UnderwriterActuarial Analyst
Required CredentialsInsurance-related certifications, underwriting licensesActuarial exams, mathematics or statistics degrees
Work EnvironmentInsurance companies, underwriting departmentsInsurance firms, consulting, or finance sectors
Industry UsagePrimarily in insurance underwritingIn risk assessment and financial modeling

While both Sar Underwriters and Actuarial Analysts work within the insurance industry, Sar Underwriters focus on evaluating and approving insurance applications based on risk, requiring underwriting licenses. Actuarial Analysts analyze data and develop models to predict future claims, often holding actuarial credentials. The roles differ in focus: underwriting is more decision-oriented, while actuarial work emphasizes data analysis and forecasting.

What is the highest paid underwriter?

Senior underwriters, especially those working in specialized fields like reinsurance or with extensive experience and certifications, tend to be the highest paid in underwriting roles. Salaries can reach over $150,000 annually, depending on the industry, location, and level of expertise.

What is a SAR mortgage underwriter?

A SAR mortgage underwriter is a professional responsible for evaluating mortgage loan applications, focusing on the Suspicious Activity Report (SAR) aspect to identify potential fraud or money laundering. They review financial documents, assess risk, and ensure compliance with anti-money laundering regulations, often using specialized software and adhering to industry standards. This role requires strong analytical skills and knowledge of mortgage underwriting and regulatory requirements.

What are the key skills and qualifications needed to thrive as a SAR Underwriter, and why are they important?

To thrive as a SAR Underwriter, you need in-depth knowledge of mortgage underwriting, FHA/VA lending guidelines, and a Direct Endorsement (DE) certification, often supported by several years of underwriting experience. Expertise in loan origination systems, automated underwriting platforms (like DU and LP), and compliance software is typically expected. Strong analytical thinking, attention to detail, and clear communication are vital soft skills for accurately assessing risk and collaborating with loan teams. These skills ensure sound lending decisions, regulatory compliance, and a smooth loan process for both lenders and borrowers.
More about Sar Underwriter jobs
What states have the most Sar Underwriter jobs? States with the most job openings for Sar Underwriter jobs include:
What job categories do people searching Sar Underwriter jobs look for? The top searched job categories for Sar Underwriter jobs are:
Sar Underwriter jobs near you
Infographic showing various Sar Underwriter job openings in the United States as of June 2026, with employment types broken down into 94% Full Time, 4% Part Time, and 2% Contract. Highlights an 91% Physical, 4% Hybrid, and 5% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Underwriter

Atlantic Bay

Remote

Full-time

Medical, Retirement, PTO

Posted 16 days ago

Job description

Here at Atlantic Bay, we focus on genuinely caring for both our customers and team. We pride ourselves on being adaptable and energetic, especially in fast-paced environments! Our goal is to continuously inspire growth, for each of our team members to reach their goals and aspirations, all the while having fun. We're in the business of lending peace of mind, whenever, wherever, however.
Atlantic Bay Mortgage Group was recently voted #1 in the nation as the best large mortgage company to work for by National Mortgage News. If you're exploring what's next in your career and value a strong Culture of Support and continuous improvement, we'd love to connect. We're currently hiring Mortgage Underwriters with DE and VA Authority to join our team.
What you'll be doing
  • Underwriting Conventional, FHA, VA, and state bond program loans to verify accuracy and compliance.
  • Calculating income, including tax return analysis, and properly cataloging findings into a concise effective written summary.
  • Developing and maintaining sound knowledge of multiple loan product guidelines offered by the company, DU/LP guidelines, and risk assessment tools used to decision mortgage loans.
  • Reviewing and evaluating borrower's credit history and financial information to assess eligibility while adhering to all regulatory and compliance requirements.
  • Collaborating with Mortgage Bankers, Processors, borrowers, and internal team members to gather necessary information in a timely manner for underwriting decisions.

What you'll bring
  • At least 5 years' experience as a mortgage underwriter and currently in an underwriting position
  • Direct Endorsement (DE) Certification and Staff Appraisal Reviewer (SAR) Certification preferred
  • Proficiency with DU and LP
  • Ability to underwrite all product types including Conventional, FHA, VA, and USDA required; Construction and/or Jumbo loans is a plus
  • Ability to review appraisals
  • Self-motivated, ability to work in a fast-paced, high-volume environment, while practicing sound lending judgment
  • A strong understanding of the various documentation types, loan programs as well as the overall general underwriting guidelines
  • Thorough understanding of credit and an ability to review complex financial documents
  • Ability to organize, be detail-oriented, and prioritize
  • Exceptional customer service skills
  • Excellent verbal and written communication skills
  • Ability to collaborate and work with all levels and varying positions of staff

Perks
Atlantic Bay offers a dynamic benefits package that includes a competitive base salary, eligibility for monthly bonuses, health insurance, 401(k), PTO, paid volunteer time and your birthday off with pay! Who doesn't love that!
If you have a passion for helping people lead their best life; Come ride the wave home to Atlantic Bay!
#GrowWithUs #WorkLifeBalance
Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

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