{"schemaVersion":"jobsearcher.job.v1","id":"bdf86a4ece1249b0b93bf98d","url":"https://jobsearcher.com/jobs/bdf86a4ece1249b0b93bf98d","canonicalUrl":"https://jobsearcher.com/jobs/bdf86a4ece1249b0b93bf98d","title":"Senior Underwriter","description":"Position OverviewReporting to the Underwriting Manager, this position is responsible for evaluating, analyzing and decisioning the acceptability of risk on complex loan transactions through detailed analysis of a borrower's credit, financial profile, track record and collateral characteristics. This role will ensure credit recommendations and property financing loan approvals conform to the established and defined underwriting guidelines and investor purchasing requirements. This position is a liaison between sales and operations and partners with mortgage originators, processors and closers to qualify mortgage loans, clear closings and support resolution of complex underwriting scenarios.Additionally, this role will partner with borrowers and stakeholders to identify financing solutions for residential investment projects. This position is responsible for maintaining thorough records of decisions and communications, while providing clear explanations of underwriting actions to stakeholders and serving as a senior resource to support consistent application of underwriting standards.Core Functions And ResponsibilitiesEvaluate and analyze complex loan applications and financial documents to determine borrower creditworthiness.Assess property values, collateral characteristics and risk factors in accordance with underwriting guidelines.Ensure all mortgages are investment quality acceptable for sale to the Company's secondary market conduits.Make informed decisions on loan approvals, conditions, escalations or denials based on thorough analysis.Identify and describe compensating factors when communicating loan exception requests when warranted.Produce detailed Credit Memorandums addressed to the Loan Approval and Credit Committee.Partner with the mortgage originators and processors to decision mortgage applications, including complex or escalated scenarios.Partner with the processors and closers to clear closing conditions and resolve complex underwriting matters.Resolve various inquiries through clear and detailed explanations and sound underwriting rationale.Serve as a liaison between sales and operations management team and as a senior resource for underwriting guidance.Perform other duties and responsibilities as assigned.QualificationsBachelor's degree in Business, Finance or related field (or equivalent combination of years of experience with High School diploma/GED)5+ years' experience in mortgage loan underwriting5+ years' experience in customer serviceExperience underwriting complex mortgage, residential investment or property financing loan transactionsDemonstrated ability to evaluate credit risk, collateral risk, borrower financial strength and compensating factorsExtensive knowledge of generally acceptable underwriting and lending practicesStrong skills in MS Word, Excel and PowerPointSkills & AbilitiesAbility to exercise sound independent judgement within established guidelines and risk parametersStrong ability to communicate underwriting decisions clearly, professionally and with supporting rationaleAbility to support and guide peers through complex underwriting questions and scenariosStrong interpersonal skills with the ability to develop and maintain effective relationships across the organizationCollaborative and consultative work style; high team-orientationOpen to change; agile; high learning agilityStrong problem-solving abilities coupled with sound judgementAbility to analyze and interpret data to identify opportunities and propose solutionsStrong project management skillsStrong attention to detail; strong compliance orientation; high quality of work productAbility to effectively prioritize under tight deadlines in a fast-paced, dynamic environment; effective time managementSelf-directed; ability to proactively ask questions and surface issues/concernsProfessional maturity, integrity, ability to maintain confidential data and informationStrong business acumen; strong fiscal and technical aptitudeCompensationHiring Range: $49.00-$53.00 per hourCompensation within this range may vary based on each candidate's job-related expertise, skills, and experience. Final offers are determined individually, reflecting the unique qualifications of each candidate.Benefits IncludePaid Time Off (PTO)Floating HolidayPaid Parental LeaveMedicalDentalVisionLife & DisabilityFSA/HSAFidelity 401(k) with employer matchLocation: Remote","company":"Constructive Loans","rawCompany":"constructive loans","city":"Denver","state":"CO","isRemote":false,"isActive":false,"createdAt":"2026-08-14T15:17:36.485Z","occupations":[{"code":"13-2072.00","title":"Loan Officers","slug":"loan-officers"},{"code":"13-2041.00","title":"Credit Analysts","slug":"credit-analysts"},{"code":"43-4131.00","title":"Loan Interviewers and Clerks","slug":"loan-interviewers-and-clerks"}],"industries":[{"code":"522292","title":"Real Estate Credit","slug":"real-estate-credit"},{"code":"522291","title":"Consumer Lending","slug":"consumer-lending"},{"code":"522110","title":"Commercial Banking","slug":"commercial-banking"}],"jobPosting":{"@context":"https://schema.org","@type":"JobPosting","title":"Senior Underwriter","description":"Position OverviewReporting to the Underwriting Manager, this position is responsible for evaluating, analyzing and decisioning the acceptability of risk on complex loan transactions through detailed analysis of a borrower's credit, financial profile, track record and collateral characteristics. This role will ensure credit recommendations and property financing loan approvals conform to the established and defined underwriting guidelines and investor purchasing requirements. This position is a liaison between sales and operations and partners with mortgage originators, processors and closers to qualify mortgage loans, clear closings and support resolution of complex underwriting scenarios.Additionally, this role will partner with borrowers and stakeholders to identify financing solutions for residential investment projects. This position is responsible for maintaining thorough records of decisions and communications, while providing clear explanations of underwriting actions to stakeholders and serving as a senior resource to support consistent application of underwriting standards.Core Functions And ResponsibilitiesEvaluate and analyze complex loan applications and financial documents to determine borrower creditworthiness.Assess property values, collateral characteristics and risk factors in accordance with underwriting guidelines.Ensure all mortgages are investment quality acceptable for sale to the Company's secondary market conduits.Make informed decisions on loan approvals, conditions, escalations or denials based on thorough analysis.Identify and describe compensating factors when communicating loan exception requests when warranted.Produce detailed Credit Memorandums addressed to the Loan Approval and Credit Committee.Partner with the mortgage originators and processors to decision mortgage applications, including complex or escalated scenarios.Partner with the processors and closers to clear closing conditions and resolve complex underwriting matters.Resolve various inquiries through clear and detailed explanations and sound underwriting rationale.Serve as a liaison between sales and operations management team and as a senior resource for underwriting guidance.Perform other duties and responsibilities as assigned.QualificationsBachelor's degree in Business, Finance or related field (or equivalent combination of years of experience with High School diploma/GED)5+ years' experience in mortgage loan underwriting5+ years' experience in customer serviceExperience underwriting complex mortgage, residential investment or property financing loan transactionsDemonstrated ability to evaluate credit risk, collateral risk, borrower financial strength and compensating factorsExtensive knowledge of generally acceptable underwriting and lending practicesStrong skills in MS Word, Excel and PowerPointSkills & AbilitiesAbility to exercise sound independent judgement within established guidelines and risk parametersStrong ability to communicate underwriting decisions clearly, professionally and with supporting rationaleAbility to support and guide peers through complex underwriting questions and scenariosStrong interpersonal skills with the ability to develop and maintain effective relationships across the organizationCollaborative and consultative work style; high team-orientationOpen to change; agile; high learning agilityStrong problem-solving abilities coupled with sound judgementAbility to analyze and interpret data to identify opportunities and propose solutionsStrong project management skillsStrong attention to detail; strong compliance orientation; high quality of work productAbility to effectively prioritize under tight deadlines in a fast-paced, dynamic environment; effective time managementSelf-directed; ability to proactively ask questions and surface issues/concernsProfessional maturity, integrity, ability to maintain confidential data and informationStrong business acumen; strong fiscal and technical aptitudeCompensationHiring Range: $49.00-$53.00 per hourCompensation within this range may vary based on each candidate's job-related expertise, skills, and experience. Final offers are determined individually, reflecting the unique qualifications of each candidate.Benefits IncludePaid Time Off (PTO)Floating HolidayPaid Parental LeaveMedicalDentalVisionLife & DisabilityFSA/HSAFidelity 401(k) with employer matchLocation: Remote","datePosted":"2026-08-14T15:17:36.485Z","dateModified":"2026-08-14T15:17:36.485Z","hiringOrganization":{"@type":"Organization","name":"Constructive Loans","sameAs":"https://jobsearcher.com"},"jobLocation":{"@type":"Place","address":{"@type":"PostalAddress","addressLocality":"Denver","addressRegion":"CO","addressCountry":"US"}},"identifier":{"@type":"PropertyValue","name":"JobSearcher","value":"bdf86a4ece1249b0b93bf98d"},"url":"https://jobsearcher.com/jobs/bdf86a4ece1249b0b93bf98d"}}