Senior Mortgage Loan Underwriter - Tennessee Housing Development Agency
Sate Housing Finance Agencies (HFAs), Nashville, TN, United States
Organization:
Tennessee Housing Development Agency
Salary Grade:
M
Monthly Salary Range:
$5,100
FLSA Classification:
Exempt
Application Deadline:
Friday, April 3, 2026 at 11:59 PM
Location:
Must live within a 200-mile radius of our Nashville, TN office. Position requires in-office presence for first week of training, then twice per month and upon management request.
Position Title:
Senior Mortgage Loan Underwriter
The successful candidate will review mortgage loan applications submitted by Originating Agents, assessing compliance with organization regulations and various federal programs, including FHA, VA, USDA/RD, Freddie Mac, Fannie Mae, and PMI, and determining action to be taken; maintains ongoing communication and relationships with lenders, realtors, consumers, and others.
Minimum Requirements
High school diploma or equivalent GED.
Three years of directly related mortgage underwriting approval experience or quality control compliance required; five years preferred.
Government delegated underwriting authority, preferred.
Experience working in a deadline-driven, fast-paced environment.
Recent employment in the mortgage banking underwriting/compliance field is required.
The above qualifications express the minimum standards of education and/or experience for this position. Other combinations of education and experience, if evaluated as equivalent, may be taken into consideration.
Key Knowledge, Skills, Abilities, and Competencies
Proficient in underwriting guidelines for FHA, VA, USDA/RD, Freddie Mac, Fannie Mae, and PMI companies.
Knowledge of mortgage regulatory requirements; RESPA, TIL, TRID, CFPB.
Ability to successfully and accurately complete assigned work in a fast-paced environment.
Strong interpersonal skills.
Excellent verbal and written communication skills.
Maintains credibility through sincerity, honesty, and discretion.
Maintains a high level of confidentiality.
Builds and maintains positive relationships with internal and external constituents.
Strong organizational skills.
Strong time management skills; uses time effectively; consistently meets deadlines.
Ability to exercise good judgment in evaluating complex situations while implementing agency requirements and guidelines.
Ability to adjust to frequent procedural changes.
Documents regularly, thoroughly, accurately, and completely.
High level of detail and accuracy.
Exercises good and consistently fair judgment, courtesy, and tact in dealing with the staff and public in giving and obtaining information.
Computer literate; proficient in Microsoft Word, Excel, Outlook, Allregs and the internet; able to effectively adapt to and use other computer systems as needed for daily activities.
Benefits THDA offers an excellent benefits package including medical, dental, vision, and life insurance options; disability insurance; retirement plans; flexible benefit pre‑tax accounts for medical, dependent care, transportation, and parking; annual leave and sick leave that begin accruing after the first month of employment; and 11 paid holidays per year.
Equal Opportunity/Equal Access/Affirmative Action Employer APPLICATION MUST BE COMPLETE AND RESUME ATTACHED FOR CONSIDERATION
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Tennessee Housing Development Agency
Salary Grade:
M
Monthly Salary Range:
$5,100
FLSA Classification:
Exempt
Application Deadline:
Friday, April 3, 2026 at 11:59 PM
Location:
Must live within a 200-mile radius of our Nashville, TN office. Position requires in-office presence for first week of training, then twice per month and upon management request.
Position Title:
Senior Mortgage Loan Underwriter
The successful candidate will review mortgage loan applications submitted by Originating Agents, assessing compliance with organization regulations and various federal programs, including FHA, VA, USDA/RD, Freddie Mac, Fannie Mae, and PMI, and determining action to be taken; maintains ongoing communication and relationships with lenders, realtors, consumers, and others.
Minimum Requirements
High school diploma or equivalent GED.
Three years of directly related mortgage underwriting approval experience or quality control compliance required; five years preferred.
Government delegated underwriting authority, preferred.
Experience working in a deadline-driven, fast-paced environment.
Recent employment in the mortgage banking underwriting/compliance field is required.
The above qualifications express the minimum standards of education and/or experience for this position. Other combinations of education and experience, if evaluated as equivalent, may be taken into consideration.
Key Knowledge, Skills, Abilities, and Competencies
Proficient in underwriting guidelines for FHA, VA, USDA/RD, Freddie Mac, Fannie Mae, and PMI companies.
Knowledge of mortgage regulatory requirements; RESPA, TIL, TRID, CFPB.
Ability to successfully and accurately complete assigned work in a fast-paced environment.
Strong interpersonal skills.
Excellent verbal and written communication skills.
Maintains credibility through sincerity, honesty, and discretion.
Maintains a high level of confidentiality.
Builds and maintains positive relationships with internal and external constituents.
Strong organizational skills.
Strong time management skills; uses time effectively; consistently meets deadlines.
Ability to exercise good judgment in evaluating complex situations while implementing agency requirements and guidelines.
Ability to adjust to frequent procedural changes.
Documents regularly, thoroughly, accurately, and completely.
High level of detail and accuracy.
Exercises good and consistently fair judgment, courtesy, and tact in dealing with the staff and public in giving and obtaining information.
Computer literate; proficient in Microsoft Word, Excel, Outlook, Allregs and the internet; able to effectively adapt to and use other computer systems as needed for daily activities.
Benefits THDA offers an excellent benefits package including medical, dental, vision, and life insurance options; disability insurance; retirement plans; flexible benefit pre‑tax accounts for medical, dependent care, transportation, and parking; annual leave and sick leave that begin accruing after the first month of employment; and 11 paid holidays per year.
Equal Opportunity/Equal Access/Affirmative Action Employer APPLICATION MUST BE COMPLETE AND RESUME ATTACHED FOR CONSIDERATION
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