Senior Mortgage Loan Underwriter

• THDA Division: Single Family Loan Operations
• Number of Openings: 1
• Salary Grade: M
• Monthly Salary Range: $$5,500-$7,084, depending on experience
• FLSA Classification: Exempt

APPLICATION DEADLINE IS Wednesday, March 4, 2026 AT 11:59PM

            This position requires you to live within a 200-mile radius of our Nashville, TN office.
            This position is required to be in the office for at least the first week for hands-on training.
After training is completed, your in-office time is at least twice per month, and upon Management request.
           

Tennessee Housing Development Agency (THDA) is currently seeking a Senior Mortgage Loan Underwriter in our Single Family Loan Operations division, with proven experience in the mortgage lending field.

The successful candidate will review 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.

This candidate must live within a 200-mile radius of our office in Nashville, TN. 

MINIMUM REQUIREMENTS:
•    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.

KEY 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.

 

BENEFITS: THDA offers an excellent benefits package including medical, dental, vision, and life insurance options; disability insurance; retirement plans; flexible benefit pre-tax accounts for medical, dependent care, transportation, and parking; annual leave and sick leave that begin accruing after the first month of employment; and 11 paid holidays per year.  

EQUAL OPPORTUNITY/EQUAL ACCESS/AFFIRMATIVE ACTION EMPLOYER
APPLICATION MUST BE COMPLETE AND RESUME ATTACHED FOR CONSIDERATION