Mortgage Underwriter (Contract) - Vienna, VA Area
TEKsystems, Vienna, VA, United States
Job Title:
Mortgage Underwriter (Contract)
Location:
On-site, Vienna, VA
Employment Type:
Contract
Pay Range:
$29.07 - $39.93/hr.
Role Summary Evaluate and underwrite conventional, FHA, VA, jumbo, home equity, and self‑employed mortgage loans nationwide using company, investor, and state/federal requirements to limit portfolio risk. Responsibilities include end‑to‑end credit analysis, appraisal review, approval/decline decisions within delegation, and collaboration with loan origination and processing teams.
Minimum Qualifications
Mortgage Processing Experience: Must have significant experience in mortgage processing and/or lending (e.g., Mortgage Processor/Closer, Mortgage Loan Officer, Credit Researcher).
Knowledge of the underwriting process and understanding of applicable rules and regulations.
Preferred Qualifications
Delegated Credit Authority: Ability to approve loans without a second signature (typically $1–2M authority).
Certifications: VA SAR/LAPP and/or FHA DE authorization/certification.
Loan Types & Experience: Proven underwriting experience across conventional and VA; strong credit analysis, tax returns, and transcripts experience.
Key Responsibilities
Document & Data Review: Collect, organize, and validate borrower/property documentation; confirm receipt/integrity of materials.
Credit Analysis: Determine borrower creditworthiness using qualitative/quantitative methods (e.g., DTI, LTV) per company, investor, and regulatory guidelines; analyze credit independently of scoring systems.
Appraisal Oversight: Conduct thorough appraisal examinations; work with appraisers to ensure collateral meets guidelines (including VA/FHA reviews under SAR/LAPP/DE authority where applicable).
Decisioning: Approve or decline submissions within assigned authority; authorize disbursements; prepare counteroffers; recommend rejections/alternatives; issue adverse‑action notices in line with ECOA.
Exception Handling: Analyze exceptions/suspensions; recommend suitable mortgage products for marginal or atypical scenarios.
Collaboration & Support: Partner with originators/processors; respond to Underwriting Assist Desk queries; help maintain underwriting manuals; mentor processors/closers/loan officers.
Compliance: Maintain knowledge of company’s products and guideline changes; adhere to Bank Secrecy Act policies and procedures.
Required Skills & Experience
Underwriting Expertise: Conventional and VA underwriting experience; proficiency with FHA tools (FHA Connection, Total Scorecard) and industry systems.
Financial Analysis: Advanced personal/business financial analysis; expert in tax return and balance sheet review.
Regulatory Knowledge: Fair Lending & Consumer Protection (ECOA, TIL, RESPA); NFCU/investor guidelines; USPAP for appraisals.
Communication & Judgment: Strong interpersonal, written, and verbal skills; sound judgment and initiative; organizational excellence.
Job Type & Location:
This is a Contract to Hire position based out of Vienna, VA.
Pay and Benefits Pay Range:
$22.02 - $39.93/hr.
Eligibility requirements apply to some benefits and may depend on your job classification and length of employment. Benefits are subject to change and may be subject to specific elections, plan, or program terms. If eligible, the benefits available for this temporary role may include the following:
Medical, dental & vision
Critical Illness, Accident, and Hospital
401(k) Retirement Plan - Pre‑tax and Roth post‑tax contributions available
Life Insurance (Voluntary Life & AD&D for the employee and dependents)
Short and long‑term disability
Health Spending Account (HSA)
Transportation benefits
Employee Assistance Program
Time Off/Leave (PTO, Vacation or Sick Leave)
Workplace Type:
Hybrid position in Vienna, VA.
Application Deadline:
This position is anticipated to close on Apr 16, 2026.
About TEKsystems TEKsystems is an Allegis Group company and a leading provider of technology services. We help clients activate ideas and solutions to take advantage of a new world of opportunity. We partner with more than 6,000 clients, including 80% of the Fortune 500, across North America, Europe and Asia.
Equal Opportunity Employer:
The company is an equal opportunity employer and will consider all applications without regard to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law.
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Mortgage Underwriter (Contract)
Location:
On-site, Vienna, VA
Employment Type:
Contract
Pay Range:
$29.07 - $39.93/hr.
Role Summary Evaluate and underwrite conventional, FHA, VA, jumbo, home equity, and self‑employed mortgage loans nationwide using company, investor, and state/federal requirements to limit portfolio risk. Responsibilities include end‑to‑end credit analysis, appraisal review, approval/decline decisions within delegation, and collaboration with loan origination and processing teams.
Minimum Qualifications
Mortgage Processing Experience: Must have significant experience in mortgage processing and/or lending (e.g., Mortgage Processor/Closer, Mortgage Loan Officer, Credit Researcher).
Knowledge of the underwriting process and understanding of applicable rules and regulations.
Preferred Qualifications
Delegated Credit Authority: Ability to approve loans without a second signature (typically $1–2M authority).
Certifications: VA SAR/LAPP and/or FHA DE authorization/certification.
Loan Types & Experience: Proven underwriting experience across conventional and VA; strong credit analysis, tax returns, and transcripts experience.
Key Responsibilities
Document & Data Review: Collect, organize, and validate borrower/property documentation; confirm receipt/integrity of materials.
Credit Analysis: Determine borrower creditworthiness using qualitative/quantitative methods (e.g., DTI, LTV) per company, investor, and regulatory guidelines; analyze credit independently of scoring systems.
Appraisal Oversight: Conduct thorough appraisal examinations; work with appraisers to ensure collateral meets guidelines (including VA/FHA reviews under SAR/LAPP/DE authority where applicable).
Decisioning: Approve or decline submissions within assigned authority; authorize disbursements; prepare counteroffers; recommend rejections/alternatives; issue adverse‑action notices in line with ECOA.
Exception Handling: Analyze exceptions/suspensions; recommend suitable mortgage products for marginal or atypical scenarios.
Collaboration & Support: Partner with originators/processors; respond to Underwriting Assist Desk queries; help maintain underwriting manuals; mentor processors/closers/loan officers.
Compliance: Maintain knowledge of company’s products and guideline changes; adhere to Bank Secrecy Act policies and procedures.
Required Skills & Experience
Underwriting Expertise: Conventional and VA underwriting experience; proficiency with FHA tools (FHA Connection, Total Scorecard) and industry systems.
Financial Analysis: Advanced personal/business financial analysis; expert in tax return and balance sheet review.
Regulatory Knowledge: Fair Lending & Consumer Protection (ECOA, TIL, RESPA); NFCU/investor guidelines; USPAP for appraisals.
Communication & Judgment: Strong interpersonal, written, and verbal skills; sound judgment and initiative; organizational excellence.
Job Type & Location:
This is a Contract to Hire position based out of Vienna, VA.
Pay and Benefits Pay Range:
$22.02 - $39.93/hr.
Eligibility requirements apply to some benefits and may depend on your job classification and length of employment. Benefits are subject to change and may be subject to specific elections, plan, or program terms. If eligible, the benefits available for this temporary role may include the following:
Medical, dental & vision
Critical Illness, Accident, and Hospital
401(k) Retirement Plan - Pre‑tax and Roth post‑tax contributions available
Life Insurance (Voluntary Life & AD&D for the employee and dependents)
Short and long‑term disability
Health Spending Account (HSA)
Transportation benefits
Employee Assistance Program
Time Off/Leave (PTO, Vacation or Sick Leave)
Workplace Type:
Hybrid position in Vienna, VA.
Application Deadline:
This position is anticipated to close on Apr 16, 2026.
About TEKsystems TEKsystems is an Allegis Group company and a leading provider of technology services. We help clients activate ideas and solutions to take advantage of a new world of opportunity. We partner with more than 6,000 clients, including 80% of the Fortune 500, across North America, Europe and Asia.
Equal Opportunity Employer:
The company is an equal opportunity employer and will consider all applications without regard to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law.
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