Mortgage Lending Underwriter – Residential Loans (Non-QM & Jumbo) in Kirkland, Washington

Location

Kirkland, Washington

Job Type

Full-time

Salary

$85,000 – $110,000/yr

Company

NW Recruiting Partners

Mortgage Lending Underwriter – Residential Loans (Non-QM & Jumbo)

Kirkland, WA (Hybrid)

Bring your residential underwriting experience to a lender focused on residential and construction mortgages.

As a Mortgage Lending Underwriter, you will review complex mortgage applications submitted through internal and external channels. This role requires strong analytical expertise, attention to detail, and a solid understanding of credit risk and lending guidelines to make sound underwriting decisions.

Mortgage Lending Underwriter Responsibilities:

• File Triage: Scrub mortgage packages for completeness and quality, pulling insights from income docs, statements, and credit data.

• Credit Judgment: Weigh borrower strength, deal context, and capacity to repay to form a clear go/no-go view.

• Policy Alignment: Keep decisions inside house credit guardrails, investor expectations, and applicable regs.

• Decision Messaging: Deliver outcomes and rationale to origination and ops so everyone knows the “why” and next steps.

• Valuation & Collateral Check: Validate property reports and supporting materials against program criteria and valuation logic.

• Disposition Calls: Greenlight, rework, or decline based on quantified risk and compensating factors.

• Market & Rule Tracking: Monitor shifts in underwriting norms, product overlays, and regulatory updates; adjust practices accordingly.

• Exit Financing Matchmaking: Pair eligible files with the right permanent/agency programs to ensure a viable take-out.

• Workflow Partnering: Coordinate with internal counterparts to keep files moving and cut cycle time.

Mortgage Lending Underwriter Qualifications:

• At least 8 years of experience in mortgage underwriting (including conventional, non-QM, and construction loans)

• Bachelor’s degree or equivalent experience in finance or related field

• Strong knowledge of underwriting principles, risk assessment, and industry regulations

• Experience with Encompass and must have manual underwriting experience

• Excellent analytical, communication, and problem-solving skills

• Detail-oriented with the ability to meet deadlines under pressure

Company Benefits:

• Medical, Dental, and Vision Insurance

• Annual bonus

• 401k with a 3% match

Compensation: $85-$110k

www.nwrecruitingpartners.com

Job Type: Full-time

Pay: $85,000.00 - $110,000.00 per year

Benefits:

• 401(k) matching

• Dental insurance

• Life insurance

• Paid time off

• Vision insurance

Application Question(s):

• Will you require visa sponsorship now or in the future to work in the US?

Work Location: In person