{"id":2486131,"url":"https://alion.io/job/fhmtg-underwriting-senior-underwriter","title":"Underwriting - Senior Underwriter","company":{"id":3170351,"name":"First Heritage Mortgage","domain":"fhmtg.com","url":"https://alion.io/company/fhmtg","size_band":"201-500","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Dayforce","truth_index":{"grade":"A","score":94,"open_postings":4,"ghost_share":0,"stale_share":0.25,"repost_share":0,"time_to_fill_p50_days":null,"computed_at":"2026-10-25T05:49:26Z"}},"role":"Finance","role_family":"Finance","seniority":"senior","employment_type":null,"work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Fairfax, United States"],"countries":["US"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":{"min_usd":80000,"max_usd":153000,"period":"year","method":"role_seniority_country_remote_cell","sample_n":4723},"experience_years_min":5,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[],"status":"live","first_seen_at":"2026-07-15T04:00:00Z","employer_posted_date":"2026-10-20","last_verified_at":"2026-10-25T06:47:33Z","board_verified":true,"closed_at":null,"days_open":102,"trust":{"level":"stale","repost_count":1,"flags":["stale"],"days_open":102},"description":"The Senior Underwriter is responsible for reviewing and rendering credit decisions on FHA, VA,Conventional, and Non-Agency residential mortgage loan applications, ensuring full compliance with First HeritageMortgage LLC, investor, and agency guidelines. This role requires expert-level knowledge of HUD and VA policies, strongrisk assessment skills, and the ability to apply overlays consistently. The Senior Government Underwriter will utilize activeFHA Direct Endorsement (DE) and/or VA SAR/LAPP authority to review credit, income, assets, and collateral, makingsound credit decisions while mentoring junior underwriting staff and supporting complex loan scenarios.\nResponsibilities and DutiesUnderwriting & Decisioning Review and validate credit, property, income, asset, and employment documentation for FHA, VA, USDA, andapplicable state housing programs. Apply HUD Handbook 4000.1, VA Lender’s Handbook, investor overlays, and company guidelines to ensurecompliance. Utilize DE and/or SAR authority to approve, suspend, counter-offer, or decline loan files. Review and analyze appraisals for accuracy, completeness, and acceptability under FHA and VA requirements. Identify and address red flags for potential fraud or misrepresentation.Collaboration & Communication Prepare clear, concise underwriting summaries outlining the credit decision rationale. Communicate conditions and decisions effectively to Loan Officers, Processors, and other stakeholders. Support escalated scenarios and complex guideline interpretation requests.File Management & Quality Control Review resubmissions and clear conditions to issue final approvals. Maintain quality underwriting standards to minimize audit findings and repurchase risk. Stay informed on guideline, regulatory, and compliance changes, ensuring timely application in daily work.Mentorship & Leadership Support Provide guidance and training to less experienced underwriters and processing staff. Contribute to internal underwriting policy updates and procedural improvements.\nQualificationsRequired Skills/Abilities Exceptional written and verbal communication skills. Proven ability to document clear, defensible underwriting decisions. High attention to detail and strong analytical capabilities. Expertise in credit, income, and asset evaluation for FHA and VA lending. Proficiency in reviewing personal and business tax returns for income calculation. In-depth knowledge of underwriting policies, investor guidelines, and current regulatory requirements. Professional judgment to handle confidential borrower information with integrity. Strong time management and organizational skills to meet volume and turn-time goals.\nEducation/Experience Requirements Minimum 5+ years recent FHA and VA residential mortgage underwriting experience. Active FHA Direct Endorsement (DE) and/or VA SAR/LAPP designation in good standing required. Experience underwriting USDA and state housing finance/bond programs preferred (Virginia Housing, MarylandHousing, etc.) Experience in a high-volume retail mortgage environment strongly preferred. Knowledge of Encompass Loan Origination System 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