Senior Mortgage Underwriter - TX, AZ, CO (In Office)
- 📁
- Credit Administration
- 💼
- Enterprise Services
- 📅
- 069831 Requisition #
Location Options: The Woodlands, TX; Mesa, AZ; Denver, CO
Work Arrangement: In-office only (not eligible for hybrid or remote work)
We are seeking a highly skilled Senior Mortgage Underwriter with active FHA DE and VA SAR designations to join our team. In this role, you will apply advanced underwriting expertise to evaluate and decision residential loan applications while ensuring adherence to company guidelines and regulatory requirements. This position involves working with partners on complex matters, making strong communication skills, professionalism, and sound judgment essential.
Key Responsibilities
· Review, analyze, and underwrite residential mortgage applications according to company policies, investor standards, and regulatory requirements.
· Analyze income, assets, credit documentation, employment history, credit reports, debt ratios, and loan-to-value (LTV) metrics to determine borrower creditworthiness.
· Evaluate the collateral/property appraisal when applicable.
· Recommend loan terms or conditions as necessary.
· Review system-generated documentation and ensure completeness and accuracy.
· Gather additional information when needed to support loan decisions.
· Communicate lending decisions and respond to inquiries from affiliate banks, loan centers, and branch personnel.
· Maintain accountability for risk elevation and adherence to underwriting policies and procedures.
· Exercise independent judgment on unusually complex problems.
· Stay abreast of changes to federal and state laws/regulations affecting consumer lending.
· Perform other duties as assigned.
Qualifications
· 5+ years’ experience with government mortgage underwriting (FHA and VA).
· 5+ years’ experience with agency and/or portfolio mortgage underwriting.
· Active FHA DE and VA SAR designations are required.
· Proficiency with mortgage software and related tools, including Encompass 360 (LOS), Desktop Underwriter (DU), and Loan Product Advisor (LPA).
· Extensive knowledge of mortgage credit, underwriting concepts, and loan documentation.
· Proven ability to review and analyze complex income scenarios, assets, credit reports, debt ratios, and LTV calculations.
· Strong understanding of federal and state consumer lending regulations.
· Ability to make sound, consistent credit decisions with a high degree of accuracy.
· Exceptional attention to detail and ability to maintain quality while managing high loan volume.
· Strong written and verbal communication and customer service skills.
· Ability to handle confidential information professionally.
Benefits
· Salary range: $39.56 – $58.03 per hour depending on experience.
· Medical, Dental and Vision Insurance - START DAY ONE!
· Life and Disability Insurance, Paid Parental Leave and Adoption Assistance.
· Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts.
· Paid Training, Paid Time Off (PTO). (PTO covers both sick and vacation days without distinguishing between them), 11 Paid Federal Holidays, and any applicable state holidays.
· 401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience.
· Mental health benefits including coaching and therapy sessions.
· Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire.
· Employee Ambassador preferred banking products.
This position will be open until filled.
To review our Benefits Summary click here.
All candidates, including those with criminal histories will be considered for employment. However, a background check adjudicated consistently with the FDIC Section 19 regulation will be completed on any candidate who accepts a conditional job offer from the Company. Because the Company is a financial institution, the FDIC guidelines apply to all positions within the company and as such any and all job duties have a direct relationship to a candidate’s criminal history and that criminal history would need to align with the FDIC Section 19 regulations.
Zions Bancorporation, National Association prohibits illegal discrimination and reaffirms its policy of providing Equal Employment Opportunity (EEO), by extending equal employment and advancement opportunities to all employees and applicants for employment, without regard to race, color, religion, age (40 and over), sex, pregnancy, gender, disability, national origin, ethnic background, citizenship, protected veteran status, military service, sexual orientation, gender identity, genetic information or any other characteristic protected by applicable federal, state or local law.
It is the Company’s policy not to discriminate because of a person’s relationship or association with a protected veteran. This includes spouses and other family members. Also, Zions will safeguard the fair and equitable treatment of protected veteran spouses and family members with regard to all employment actions and prohibit harassment of applicants and employees because of their relationship or association with a protected veteran.
Applicants Requesting Accommodations: If you are a qualified individual with a disability or a disabled veteran, you may request a reasonable accommodation if you are unable or limited in your ability to use or access our career site. You can request reasonable accommodations by contacting us at careers@zionsbancorp.com or 801/844-7618. Please email your resume/cover letter, indicate what position you are interested in and include "Accommodation needed" in the subject line to ensure your information is routed to the appropriate contact.
Click here to view our EEO Statement.
Click here to view applicable Federal, State and/or local employment law posters.
If you have any technical issues while completing the application, please first try these troubleshooting steps. If you continue to have issues, please reach out to us at careers@zionsbancorp.com.