Residential Mortgage Underwriter II BayCoast Mortgage Company Ready to Take Your Mortgage Underwriting Career to the Next Level? BayCoast Mortgage Company is seeking an experienced, detail-oriented mortgage professional who thrives in a fast-paced lending environment and is passionate about making sound credit decisions while delivering exceptional service. This is more than a traditional underwriting role. We are looking for a knowledgeable underwriter with strong analytical skills, a customer-focused mindset, and the ability to manage a diverse pipeline of residential mortgage products while balancing risk management and service excellence Make Sound Lending Decisions • Underwrite and approve residential mortgage loans within delegated authority while maintaining an active pipeline. • Evaluate borrower income, assets, credit, collateral, and overall eligibility to render prudent credit decisions. • Handle a variety of loan products including conventional, FHA, VA, jumbo, portfolio, self-employed borrower, construction, and renovation loans. • Review and clear underwriting conditions to support established service level commitments. • Apply Your Expertise • Utilize DU, LPA, FHA TOTAL Scorecard, and other investor underwriting systems. • Provide guidance to loan originators and operations staff on loan structure and investor eligibility requirements. • Communicate underwriting decisions, conditions, and documentation requirements clearly and professionally. • Maintain current knowledge of FNMA, FHLMC, FHA, VA, jumbo, and state housing guidelines. Support Compliance & Quality • Ensure all underwriting decisions meet investor, agency, regulatory, and company requirements. • Identify and escalate potential credit, compliance, operational, and fraud risks. • Assist with audits, regulatory examinations, and quality control initiatives. • Maintain a high level of loan quality while meeting production expectations. Collaborate & Drive Results • Partner with loan originators, processors, closers, investors, and business partners to facilitate efficient loan delivery. • Contribute to process improvements, technology enhancements, and departmental best practices. • Support operational goals through teamwork, accountability, and continuous improvement. What We're Looking For • 5-7 years of progressive residential mortgage underwriting experience. • Strong experience underwriting conventional, FHA, VA, jumbo, portfolio, construction, and renovation loans. • Advanced knowledge of income analysis, tax returns, asset review, credit evaluation, and mortgage compliance. • Experience with delegated underwriting authority and mortgage loan origination systems. • Exceptional analytical, organizational, and communication skills. • Ability to manage multiple priorities in a fast-paced production environment. Preferred Qualifications • FHA Direct Endorsement (DE) Certification. • Bachelor's degree in Business, Finance, Accounting, Economics, or a related field. • MA Housing and/or RI Housing underwriting experience. Why Join BayCoast Mortgage Company? • Opportunity to work with a respected and growing mortgage lender. • Collaborative culture focused on service, quality, and professional growth. • Competitive benefits, career development opportunities, and the strength and stability of BayCoast Bank.