Job Description

Government Underwriter (DE/SAR)

Onsite Coppell, TX (This is fully onsite and not a work from home opportunity)

Shift: Monday - Friday 8:00AM - 5:00PM

Pay Rate: $85-95k/year

Contract: 6-month Contract (high potential for extension or conversion)

Job Summary: The Government Underwriter (DE/SAR) is responsible for evaluating and processing borrower workout options, including repayment plans, loan modifications, short sales, and deeds-in-lieu. This role involves working directly with borrowers to help them retain or transition from their homes, while ensuring compliance with investor, state, and federal guidelines. The underwriter plays a key role in supporting timely and effective resolution of delinquent mortgage accounts..

Key Responsibilities :

• Analyze loans for eligibility under repayment plans, modifications, short sales, and deeds-in-lieu based on investor and regulatory guidelines (e.g., HAMP).
• Review borrower loss mitigation packages, identify deficiencies, and issue notices requesting additional documentation.
• Generate approval and adverse action notices in accordance with applicable laws and investor requirements.
• Ensure compliance with Fair Lending practices when referring borrowers for refinance options.
• Coordinate with Mortgage Specialists to gather required documentation and facilitate timely closings.
• Stay current on industry programs and investor requirements, including GSE and insurer guidelines.
• Maintain accurate records in internal systems and workflows, including investor approval tracking.
• Complete escrow analyses and pro forma calculations for loan modifications.
• Meet monthly workout-to-portfolio ratio goals.

Qualifications :

• 4+ years of underwriting experience (Required)
• Direct Endorsement (DE) certification (Required)
• Staff Appraisal Reviewer (SAR) certification (Preferred)
• Excellent attention to detail and accuracy in documentation
• Ability to manage multiple tasks and meet strict deadlines
• Strong verbal and written communication skills
• Ability to work effectively in a collaborative team environment
• Strong customer service orientation and professionalism
• Sound judgment and decision-making skills
• Proficiency in Microsoft Office and loan servicing systems is a plus

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