DE and VA Underwriter- Remote

Job Description

Job Description

Sun West is a nationwide full-service mortgage seller /servicer with over 44 years of experience. Our current expansion initiative is driven with respect to the competency evolution of Sun West. Sun West has set the mark in the Mortgage industry as one of the leading company’s specialized in FHA Single Family, HUD Multi Family, VA, Conventional and Home Equity mortgages.

Sun West is one of the few direct lenders to provide in-house underwriting, funding, and servicing. Our team is dedicated to offering exceptional customer service coupled with integrity, reliability, strength and stability. We achieve this through our commitment to technology.

We are seeking a seasoned DE and VA Underwriter to join our growing team. This individual will be responsible for making high-stakes, independent credit decisions that directly impact $20–$30 million in monthly lending. If you are meticulous, deeply knowledgeable about underwriting guidelines, and thrive in a high-volume, compliance-driven environment, we want to hear from you.

Key Responsibilities

• Independently assess loan applications and make underwriting decisions in strict adherence to Agency, Investor, and Sun West guidelines.
• Underwrite FHA, VA, and Conventional loan products with a high level of accuracy and speed.
• Analyze borrower credit-worthiness, collateral, and AUS findings (DU/LP).
• Accurately issue the Loan Analysis and Loan Summary.
• Downgrade loans to Manual Underwrite where required, as the exclusive authority on such decisions.
• Stay current with all federal and state lending regulations and mortgagee letters (particularly those issued post-01/2008).
• Calculate income per Agency guidelines, including complex tax return reviews.
• Verify borrower assets including gift funds, trailing funds, and reserves.
• Accurately compute loan amounts for Rate/Term and Streamline Refinances.
• Identify and resolve HUD-1 deficiencies.
• Maintain production volumes aligned with company targets, while delivering accurate results.

Required Qualifications

• Active DE Underwriter Certification (CHUMS ID is mandatory).
• Actively underwriting FHA loans for the last 24 months.
• Proficient with Automated Underwriting Systems, especially DU and LP.
• Strong verbal and written communication skills.
• Exceptional attention to detail and customer-service orientation.
• Deep knowledge of compliance regulations, including:
• • Mortgage Disclosure Improvement Act (MDIA)
  • RESPA Reform, Appraisal Independence, and HVCC
• Proven ability to meet and exceed underwriting production targets.

Technical Requirements

• High proficiency in Adobe Acrobat® (e.g., splitting/creating PDFs), Microsoft Office, Google Apps, and web-based tools.
• Excellent typing speed and computer literacy are essential.

Why Join Us?

• Directly impact substantial lending volumes and influence decision-making.
• Be part of a professional, compliance-focused, and highly skilled team.
• Access to continuous learning and development resources.

Sun West Mortgage Company, Inc. is an Equal Opportunity Employer. The company and its affiliates recruit and hire qualified candidates without regard to race, religion, color, sex, sexual orientation, gender, gender identity, age, national origin, ancestry, citizenship, veteran or disability status, medical condition, marital status, or any other factor prohibited by federal, state, provincial, and municipal laws.

Company Description

Sun West Mortgage Company, Inc. is an Equal Opportunity Employer. The company and its affiliates recruit and hire qualified candidates without regard to race, religion, color, sex, sexual orientation, gender, gender identity, age, national origin, ancestry, citizenship, veteran or disability status, medical condition, marital status, or any other factor prohibited by federal, state, provincial, and municipal laws.