Job Description

Job Location Arrowhead - Peoria, AZ 85382

Core Values

PROVIDE our customers with the best combination of service, rates, and fees. PROMOTE sustainable careers for our employees so that they can be enriched personally and professionally. GIVE BACK to our community. These are the core values of NOVA® Home Loans in which we act on employee feedback and implement changes that will make NOVA® Home Loans a better place to work and promote a higher level of service to our clients.

We are seeking an experienced Mortgage Underwriter to join our team and help drive excellence in loan quality and customer service. This role is ideal for a seasoned underwriter with at least 10 years of experience, including active FHA DE and VA SAR/LAPP credentials, and deep familiarity with DPA programs. This position offers a hybrid schedule with two remote workdays and three in-office days each week.

As part of our underwriting team, you will evaluate complex Conventional and Government mortgage loan applications to ensure compliance with NOVA, agency, investor, and MI guidelines. You'll bring strong analytical skills, attention to detail, and a commitment to maintaining high quality and productivity standards.

Evolving as an Underwriter by having…

• Minimum of 10 years of mortgage underwriting experience.

• Active FHA Direct Endorsement (DE) and VA SAR/LAPP credentials required.

• USDA underwriting experience preferred.

• At least 5 years of experience underwriting loans involving Down Payment Assistance (DPA) programs.

Exciting Opportunities to Grow by…

• Review and evaluate mortgage loan applications to ensure compliance with NOVA, investor, mortgage insurance (MI), agency, and all applicable guidelines within established service standards.

• Underwrite both Government and Conventional loan products.

• Provide guidance and respond to inquiries regarding underwriting issues and concerns from internal stakeholders.

• Analyze complex personal and business tax returns to accurately calculate qualifying income.

• Assess borrower eligibility, property eligibility, and credit qualifications for complex financial profiles, non-standard collateral, and unique loan structures.

• Consistently meet or exceed quality and productivity standards as established by management.

• Clearly communicate underwriting decisions and conditions to internal and external customers, both verbally and in writing.

• Ensure adherence to NOVA’s quality standards throughout the underwriting process.

• Perform additional duties and projects as assigned.

Show us your growth with…

• Strong knowledge of applicable federal, state, and local laws, rules, and regulations to ensure full compliance.

• Proven ability to maintain strict confidentiality with sensitive information.

• Proficient in Microsoft Office Suite, including Word, Excel, and Outlook.

• Exceptional attention to detail, with a strong sense of urgency and commitment to quality.

• Excellent written and verbal communication skills.

• Advanced analytical, organizational, and problem-solving skills.

• Ability to thrive in a fast-paced environment, manage pressure effectively, and meet time-sensitive deadlines while maintaining professionalism.

• Self-motivated and able to work independently as well as collaboratively within a team setting.

• Capable of analyzing complex data and making sound recommendations with minimal supervision.

Benefits Offered...

NOVA benefits to full-time employees include Employee Discount, Paid Time off, Health/Dental/Vision/Life/Disability Insurance, 401(k) with an employer match, Health Savings Account with employer contribution, and an Employee Assistance Program

NOVA® is an equal opportunity employer, substance-free workplace, and complies with the Americans with Disability Act regulations as applicable.

All applicants are considered for all positions without regard to race, religion, color, sex, gender, sexual orientation, pregnancy, age, national origin, ancestry, physical/mental disability, medical condition, military/veteran status, genetic information, marital status, ethnicity, alienage, or any other protected classification, in accordance with applicable federal, state, and local laws. Equal access to programs, services, and employment is available to all qualified persons. Those applicants requiring accommodation to complete the application and/or interview process should contact the Human Resources department at NOVA® Home Loans.