Mortgage Underwriter
About The Position
Elliman Capital is the integrated lending arm of Douglas Elliman, designed to bring modern lending infrastructure, sophisticated credit expertise, and elevated service into one of the most powerful luxury real estate ecosystems in the country. We are expanding our underwriting team and seeking an experienced Mortgage Underwriter to support a high-end, purchase-focused platform that serves discerning clients and complex transactions. This role is ideal for underwriters who value thoughtful credit analysis, judgment-based decisioning, and collaboration within a premium real estate environment.
Requirements
- Five or more years of recent mortgage underwriting experience
- Demonstrated experience underwriting Non-QM loans, including DSCR and bank statement programs
- Strong appraisal review experience
- Proficiency underwriting agency products (Conventional, FHA, VA, USDA)
- Encompass experience is required
- Solid understanding of federal and state mortgage regulations, including TILA, RESPA, and Fair Lending
- Strong analytical skills and attention to detail
- Professional communication style aligned with a high-end client and agent base
- Ability to work within a fast-paced, high-expectation environment
Responsibilities
- Underwrite Non-QM loan products, including DSCR, bank statement, and alternative income programs
- Underwrite Conventional, FHA, VA, and USDA residential mortgage loans
- Analyze borrower creditworthiness, income documentation, assets, liabilities, and complex financial profiles
- Review property characteristics, appraisals, and collateral risk
- Ensure all loans meet investor guidelines, internal credit standards, and regulatory requirements
- Clearly communicate underwriting decisions, conditions, and alternatives to internal teams
- Respond to product questions and scenario requests with sound credit guidance
- Maintain quality, accuracy, and turnaround time standards
- Assist with training and mentoring junior underwriters as needed
- Stay current on guideline updates, investor overlays, and regulatory changes
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
