Mortgage Underwriter

Job Title: Mortgage Underwriter (GPO/WCC/HQ)

Evaluate and underwrite all mortgage loan types according to specific state and federal requirements to limit risk exposure.

• Manage a pipeline of appraisals, keeping track of pending due dates, and ensuring member service expectations are met.
• Communicate changes, revisions, or corrections to production staff, appraisers, and appraisal vendors after initial delivery.
• Respond to inquiries from production staff and other business units about appraisals in review and advanced underwriting issues.
• Review and make decisions on appraisal reports, including adding conditions, issuing counter offers, and denials.
• Consider effects of property‑related contracts such as age restrictions, HOAs, and private water/septic/roads.
• Conduct thorough examinations of appraisal reports to ensure deficiencies, repairs, or special requirements are noted.
• Determine the acceptability and marketability of properties to ensure sufficient collateral for securing loans.
• Utilize information from various resources to ensure an exceptional member experience without compromising risk.
• Make decisions on investment risk acceptability using established guidelines and recommend denial or exception for properties that do not meet them.
• Communicate professionally and proactively with appraisers, vendors, and business partners.
• Provide timely, accurate, and clear information based on research or existing knowledge.

• Strong mortgage and appraisal knowledge.
• Experience in managing a pipeline.
• Understanding of equity and debt‑to‑income ratios.
• Ability to communicate effectively with various stakeholders.
• Proficiency in evaluating property contracts and conditions.

• Familiarity with International Building Code and local building and zoning regulations.
• Experience in using online real estate databases and tax records.

• 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)

Hybrid work model with on‑campus presence 2 times per week, transitioning to onsite 3 times per week in April 2026. Work hours are from 8 AM to 4:30 PM local time.

Contract to Hire position based out of Winchester, VA.

Pay range: $19.29 – $36.29 per hour.

January 16, 2026

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.