Mortgage Underwriter
Elliman Capital, Miami, FL, United States
Douglas Elliman
is one of the largest and most recognized residential real estate brokerages in the United States. Renowned for its dominance in the luxury market, strong national brand presence, and deep agent network, Douglas Elliman produces billions in annual sales volume and continues to set the standard in premier markets nationwide.
About the Opportunity 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.
What Makes This Role Different Underwriting Within a Luxury Real Estate Ecosystem This is not a high-volume, assembly-line underwriting role. As an Elliman Capital underwriter, you support transactions tied directly to Douglas Elliman’s elite agents, luxury properties, and high-net-worth clientele.
This provides:
Exposure to complex, high-value purchase transactions
Collaboration with top-tier loan officers and real estate professionals
A credit environment that values experience, discretion, and sound judgment
The opportunity to underwrite loans that are both intellectually engaging and professionally rewarding
A Platform Built for Sophisticated Lending You will work within a modern lending platform that supports both
Non-QM and agency products , designed to handle complexity without sacrificing efficiency.
This includes:
A fully integrated LOS and pricing ecosystem
Strong operational workflows and internal communication
Clear underwriting standards and investor alignment
Technology that supports accuracy, transparency, and speed
Operational Support That Respects the Underwriter Role Elliman Capital’s structure is built to allow underwriters to focus on credit quality and decision-making, not unnecessary friction.
You will be supported by:
Experienced processors and production teams
Clear escalation paths and leadership access
Realistic turnaround expectations
A culture centered on quality, accountability, and collaboration
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
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 experienceProficiency 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
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is one of the largest and most recognized residential real estate brokerages in the United States. Renowned for its dominance in the luxury market, strong national brand presence, and deep agent network, Douglas Elliman produces billions in annual sales volume and continues to set the standard in premier markets nationwide.
About the Opportunity 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.
What Makes This Role Different Underwriting Within a Luxury Real Estate Ecosystem This is not a high-volume, assembly-line underwriting role. As an Elliman Capital underwriter, you support transactions tied directly to Douglas Elliman’s elite agents, luxury properties, and high-net-worth clientele.
This provides:
Exposure to complex, high-value purchase transactions
Collaboration with top-tier loan officers and real estate professionals
A credit environment that values experience, discretion, and sound judgment
The opportunity to underwrite loans that are both intellectually engaging and professionally rewarding
A Platform Built for Sophisticated Lending You will work within a modern lending platform that supports both
Non-QM and agency products , designed to handle complexity without sacrificing efficiency.
This includes:
A fully integrated LOS and pricing ecosystem
Strong operational workflows and internal communication
Clear underwriting standards and investor alignment
Technology that supports accuracy, transparency, and speed
Operational Support That Respects the Underwriter Role Elliman Capital’s structure is built to allow underwriters to focus on credit quality and decision-making, not unnecessary friction.
You will be supported by:
Experienced processors and production teams
Clear escalation paths and leadership access
Realistic turnaround expectations
A culture centered on quality, accountability, and collaboration
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
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 experienceProficiency 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
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