Location Options: This position is fully remote; however, candidates must reside near one of our primary centers in Phoenix/Mesa, AZ; Denver, CO; or Houston/The Woodlands, TX. A fully in‑office option at one of these locations is also available. We are seeking a highly skilled Senior Mortgage Underwriter with active FHA DE and VA SAR designations to join our team. In this role, you will apply advanced underwriting expertise to evaluate and decision residential loan applications while ensuring adherence to company guidelines and regulatory requirements. This position involves working with partners on complex matters, making strong communication skills, professionalism, and sound judgment essential. **Key Responsibilities** · Review, analyze, and underwrite residential mortgage applications according to company policies, investor standards, and regulatory requirements. · Analyze income, assets, credit documentation, employment history, credit reports, debt ratios, and loan-to-value (LTV) metrics to determine borrower creditworthiness. · Evaluate the collateral/property appraisal when applicable. · Recommend loan terms or conditions as necessary. · Review system-generated documentation and ensure completeness and accuracy. · Gather additional information when needed to support loan decisions. · Communicate lending decisions and respond to inquiries from affiliate banks, loan centers, and branch personnel. · Maintain accountability for risk elevation and adherence to underwriting policies and procedures. · Exercise independent judgment on unusually complex problems. · Stay abreast of changes to federal and state laws/regulations affecting consumer lending. · Perform other duties as assigned. **Qualifications** · 5+ years' experience with government mortgage underwriting (FHA and VA). · 5+ years' experience with agency and/or portfolio mortgage underwriting. · Active FHA DE and VA SAR designations are required. · Proficiency with mortgage software and related tools, including Encompass 360 (LOS), Desktop Underwriter (DU), and Loan Product Advisor (LPA). · Extensive knowledge of mortgage credit, underwriting concepts, and loan documentation. · Proven ability to review and analyze complex income scenarios, assets, credit reports, debt ratios, and LTV calculations. · Strong understanding of federal and state consumer lending regulations. · Ability to make sound, consistent credit decisions with a high degree of accuracy. · Exceptional attention to detail and ability to maintain quality while managing high loan volume. · Strong written and verbal communication and customer service skills. · Ability to handle confidential information professionally. **Benefits** · Salary range: $39.56 - $58.03 per hour depending on experience. · Medical, Dental and Vision Insurance - START DAY ONE! · Life and Disability Insurance, Paid Parental Leave and Adoption Assistance. · Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts. · Paid Training, Paid Time Off (PTO). (PTO covers both sick and vacation days without distinguishing between them), 11 Paid Federal Holidays, and any applicable state holidays. · 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience. · Mental health benefits including coaching and therapy sessions. · Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire. · Employee Ambassador preferred banking products. **Req ID:** 070106 To review our Benefits Summary browse here: https://zionsbancorp.referrals.selectminds.com/VectraBankCareers/moreinfo/Benefits Equal Opportunity Employer It is the policy of this corporation to provide equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, veteran status, sexual orientation, gender identity and expression or any other characteristic protected by applicable law. This policy is established and administered in accordance with all applicable federal, state, and local laws. If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for employment, please contact us at (801) 844-7628, Mon.-Fri. between 9 a.m. - 5 p.m. MST. Click here to view applicable Federal, State and/or local employment law posters.