Level IV Underwriter

1/3/2026

The Underwriter Level 4 is responsible for underwriting loans in accordance with company and investor guidelines. This includes timely review of loan credit packages, communication with investors, and ensuring compliance with regulations.

Salary

39 - 57 USD

Working Hours

40 hours/week

Company Size

1,001-5,000 employees

Language

English

Visa Sponsorship

About The Company

AnnieMac Home Mortgage, a d/b/a of American Neighborhood Mortgage Acceptance Company, LLC, is a nationwide mortgage loan provider dedicated to the principle of service — to our clients, our employees, and our business partners. We are headquartered in Mount Laurel, N.J., but we have branches throughout the country that employ hundreds more. As an approved seller/servicer with Fannie Mae, Freddie Mac and Ginnie Mae, we have access to the best mortgage programs available, including conventional, government and non-conforming mortgages. Our processing and underwriting are completed in-house, which means our clients can expect quick processing and exceptional customer service. That is why we've emerged as one of the fastest-growing home lenders in the industry. AnnieMac Home Mortgage is a DBA of American Neighborhood Mortgage Acceptance Company, LLC. Arizona Mortgage Banker License Number (BK - 0926586) Corp NMLS# 338923. (http://www.nmlsconsumeraccess.org) For complete licensing info visit http://www.annie-mac.com/licensing AnnieMac Home Mortgage is an equal housing opportunity.

About the Role

Job Details

Position Type: Full Time

Education Level: High School

Salary Range: $39.00 - $57.00 Hourly

Job Category: Finance

***Note to all Arizona Candidates: Please apply to the positions labeled "Arizona" on our Careers page. All candidates who wish to work out of Arizona must apply to the position specific to Arizona.***

AnnieMac Home Mortgage is looking to hire a Full-Time Underwriter Level 4 to be responsible for the underwriting of loans in accordance with company and investor guidelines. Candidates should have experience directly or indirectly related to the Mortgage Industry. Under the direct supervision of the Underwriting Manager the accountabilities and job activities of the Underwriter Level 4 position include, but are not limited, to the following:

Timely underwriting of loan credit packages and appraisals for compliance with various investor and government agency guidelines.
Contact with private investors and government agencies to resolve any issues or questions that may arise on loan files, programs, etc.
Review and analyze income from both personal and corporate tax returns.
Communicate decision on loans to appropriate parties both verbally and in writing.
Analyze loan packages for any sign of fraudulent documentation or information.
Work with Loan Originators to restructure questionable loans into a salable package.
Remain informed of all government regulations, requirements and laws for both branch and broker submissions.
Consult with the Processing and Closing departments to ensure that all underwriting conditions are met prior to closing the loan.
Review and clear all underwriting conditions prior to closing.

Qualifications

5 years Conventional front-line underwriting.
FHA Direct Endorsement required.
VA LAPP and SAR, USDA, and/or Jumbo required.
Pass pre-hire assessment.
Complete new hire training including underwriting of test cases and second level review of “live” loans.
Knowledge of various investor guidelines and requirements.
Minimum of 20 mbps download and 3 mbps upload internet bandwidth speeds are required.

AnnieMac Home Mortgage offers a wide range of benefits, including medical, dental and vision plans, along with voluntary benefits, including 401K.

***AnnieMac Home Mortgage participates in E-Verify***

***AnnieMac Home Mortgage is an Equal Opportunity Employer***

Key Skills

UnderwritingLoan PackagesComplianceIncome AnalysisFraud DetectionGovernment RegulationsInvestor GuidelinesCommunicationLoan RestructuringTax ReturnsFHA Direct EndorsementVA LAPPUSDAJumbo LoansInternet Bandwidth