Senior Underwriter – DE / LAPP / SAR

For over 30 years, First Continental Mortgage (FCM) and affiliates, have shared a common purpose to help families realize the American dream of owning a home! FCM is a full-service, FNMA, HUD and VA approved national mortgage lending firm headquartered in Houston, Texas.

We specialize in partnering with Home Builders as well as retail production. FCM funded $2.6 Billion in 2024 through affiliated business arrangements with 10 different home builders, 5 of which rank in the Top 65 Home Builders in the country.

FCM is seeking a Senior Underwriter with DE / LAPP / SAR Designations for our New Home Team.

Key Responsibilities

• Service-focused with excellent time-management, multi-tasking skills, and keen attention to detail.
• Underwrite FHA, VA, Conventional conforming and Conventional non-conforming mortgage loans following company, investor, and government standards.
• Evaluate credit / employment history, and financial status of mortgage loan files to determine credit worthiness in compliance with requirements.
• Analyze loan documentation such as credit reports, verification of employment, paystubs, verification of deposit, tax returns, bank statements, appraisals, and all other supporting documentation provided.
• Ensure compliance with federal agencies including FNMA, FHLMC, HUD, and VA.
• Other duties as assigned by management.

Requirements

• 5+ years' experience as a senior level residential mortgage underwriter.
• Experience with FHA, VA, and Conventional conforming and non-conforming loans.
• DE and VA LAPP/SAR designations.
• Knowledgeable in investor overlay and researching such guidelines.
• Excellent appraisal analysis skills.
• Knowledge of current FNMA, FHLMC, HUD, VA, and investor guidelines.
• Strong analytical decision-making and problem-solving abilities.
• Aptitude for maintaining professional relationships with coworkers.
• Excellent verbal and written communication skills.
• Encompass LOS experience a plus.

What FCM Offers We offer a truly competitive compensation package where you'll be rewarded for your performance. Our benefits include:

• Medical, Dental & Vision
• FSA, Life, Supplemental Life, Long Term Disability, and Supplemental Insurance
• Vacation / Sick Time
• 401k

FCM and its Affiliates are Equal Opportunity Employers.

Join FCM and become part of a dedicated and growing team! To learn more about FCM, please visit our website at https://www.firstcontinentalmtg.com/