VA Underwriter

Job Description:

Position Overview

We are seeking an experienced VA Mortgage Underwriter to evaluate, analyze, and underwrite VA home loan applications in accordance with Department of Veterans Affairs (VA) guidelines, investor requirements, and company policies. The ideal candidate will demonstrate strong credit analysis skills, in‑depth VA knowledge, and the ability to make sound risk decisions while maintaining excellent communication with sales and processing teams.

Key Responsibilities

- Underwrite VA loan files to ensure they meet VA, investor, and internal guidelines.

- Review borrower credit, income, assets, and appraisal reports for accuracy and compliance.

- Assess eligibility, entitlement, residual income, DTI ratios, and compensating factors.

- Analyze and validate AUS findings (DU/LP) and update decisions as required.

- Issue loan approvals, suspensions, declines, and final clear-to-close decisions with complete documentation.

- Ensure high-quality file documentation to meet audit, compliance, and quality control standards.

- Stay updated on guideline changes, overlays, and regulatory requirements.

- Maintain turnaround times while ensuring underwriting accuracy and risk management.

Qualifications

- 3+ years of VA loan underwriting experience required.

- Strong working knowledge of VA guidelines, COE review, entitlement calculations, and funding fees.

- Proficiency with AUS systems (DU/LP) and mortgage LOS platforms.

- Excellent analytical, documentation, and communication skills.

- Ability to work independently in a fast‑paced environment.

Competencies

- Strong analytical and decision‑making abilities.

- High attention to detail and accuracy.

- Time management and efficiency.

- Collaboration and communication.

- Risk assessment and compliance mindset.