Job Description

Job Summary

:  Reviews mortgage loan applications submitted by Originating Agents, assessing compliance/conformity with organization regulations and Federal Housing Administration (FHA), Veterans Administration (VA), United States Department of Agriculture/Rural Development (USDA/RD), Federal Home Loan Mortgage Corporation (Freddie Mac), Federal National Mortgage Association (Fannie Mae) and Private Mortgage Insurance (PMI) regulations and determining action to be taken; maintains on-going communication and relationships with lenders, realtors, consumers, etc.

Job Responsibilities

Essential duties and responsibilities include the following. Other duties may be assigned.

• Reviews loan applications  timely to determine conformity and compliance to Agency and THDA’s guidelines; determines actions to be taken.
• Accurately reviews and determines household and qualifying income eligibility for potential homeowners for the Mortgage Revenue Bond (MRB) and Mortgage Backed Security (MBS) programs; works directly with OA regarding any inaccuracies with the income.
• Accurately verifies loan information in loan origination system, updates information if needed; reviews automated underwriting findings to verify accurate and complete documentation provided in the mortgage loan file; works directly with the lender regarding any deficiencies.
• Reviews application disclosures to ensure loan and timing meets CFPB, RESPA and other federal guidelines.
• Reviews appraisals to determine properties meet Agency and THDA’s guidelines.
• Seeks guidance from the Mortgage Underwriting Manager and/or Director of Loan Operations as needed. Maintains a high level of written and oral professional communication with Originating Agents to ensure accurate and timely receipt of all required documentation for a timely loan closing.
• Reviews outstanding/pended documentation in a timely manner; transmits commitments, and Enforceable Obligation Letter (if required) to lender Provides initial review of exception requests and obtains final approval from Manager and/or Director; including extension and/or modification of commitment requests.

• Manages pipeline in a timely manner to ensure closing deadlines and rate lock expirations are not exceeded.

• Establishes and maintains relationships by answering the General Information Underwriting Line or SFAsk email box, in a businesslike manner; subject matter expert providing technical program support to lenders, realtors, potential new Originating Agents, borrowers and other internal Divisions.
• Offers support to other areas in the division, as necessary or as time allows.
• Works closely with post-closing section to update commitments, review “at closing” conditions or resolve closing issues.

Qualifications

The requirements listed below are representative of the knowledge, skills, and/or abilities required.

Education and Experience:

• 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.

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 agencies requirements/ 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.

Additional Information

Benefits

The special demands described here are representative of those that must be met by a staff member to successfully perform the essential functions of this job.

• While performing the duties of this job, the employee is regularly required to sit; stand; use hands to finger, handle or feel; and talk and hear.
• The employee is occasionally required to walk; reach with hands and arms, and stoop, kneel, or crouch.
• Specific vision abilities required by this job include close vision, distance vision, and the ability to adjust focus.

How to Apply

https://phh.tbe.taleo.net/phh01/ats/careers/v2/viewRequisition?org=THDA2&cws=38&rid=1055

Details

• Date Posted: March 24, 2026
• Type: Full-Time
• Job Function: Other
• Service Area: Government
• Start Date: 05/01/2026
• Salary Range: $5,050
• Working Hours: 37.5

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