Job Details

Position: Senior Loan Underwriter

Location: New York, NY (Hybrid - minimum 3 days/week in-office)

Schedule: Full-time

Compensation: $82,000-$93,000 no bonus or paid over time

Our client is seeking a senior-level loan underwriter to support mission-based affordable homeownership lending across New York State. This is a manual underwriting role with decision authority and strong regulatory accountability. The position is hybrid and intended for candidates within commuting distance of the office, with a minimum of three days per week in-office.

Responsibilities include:

• Underwrite to program guidelines including SONYMA, Fannie Mae, and Freddie Mac

• Approve, decline, suspend, or return residential mortgage submissions and document credit rationale

• Underwrite first-lien and subordinate/second mortgages, including layered subsidy/DPA structures

• Apply regulatory requirements and ensure audit-ready underwriting documentation

• Maintain underwriting SLAs/KPIs and manage a high-volume, multi-program pipeline

• Partner closely with processing, closing, management, and compliance/QC teams

• Support pipeline tracking/reporting and help expedite units and closings as needed

• Mentor and act as a technical resource to team members as needed

• Perform other duties as required

Requirements include:

• Senior-level residential mortgage underwriting experience (role requires deep experience)

• Strong knowledge of TRID/RESPA, fair lending, and related lending regulations

• Ability to independently decision loans and defend credit decisions

• Experience with affordable housing / mission-based lending programs and subsidy structures

• Proficiency with Byte LOS and standard productivity tools

National Mortgage Staffing does not set the requirements for this role. All criteria are defined by our client.

Thank you for your interest!

If your background aligns with our clients needs, one of our Recruiters will reach out. Please Check your spam folder and voicemail for messages from our recruiters.

Unfortunately due to high volumes of applicants, we may not be able to respond to those who are not a fit. If you do not hear from us regarding this application, please know we do appreciate your interest and encourage you to continue to keep an eye on our website for new opportunities.