New

Mortgage Underwriter (Contract) -- Vienna, VA Area

TEKsystems
$22.02 - $39.93 / hr
life insurance, sick time, 401(k), retirement plan
United States, Virginia, Vienna
Apr 03, 2026
Mortgage Underwriter (Contract) Location: On-site, Vienna, VA Employment Type: Contract Pay Range: $29.07 - $39.93/hr. Role Summary Evaluate and underwrite conventional, FHA, VA, jumbo, home equity, and self-employed mortgage loans nationwide using Company, investor, and state/federal requirements to limit portfolio risk. Responsibilities include end-to-end credit analysis, appraisal review, approval/decline decisions within delegation, and collaboration with loan origination and processing teams. Minimum Qualifications * Mortgage Processing Experience: Must have significant experience in mortgage processing and/or lending (e.g., Mortgage Processor/Closer, Mortgage Loan Officer, Credit Researcher). * Knowledge of the underwriting process and understanding of applicable rules and regulations. Preferred Qualifications * Delegated Credit Authority: Ability to approve loans without a second signature (typically $1-$2M authority). * Certifications: VA SAR/LAPP and/or FHA DE authorization/certification. * Loan Types & Experience: Proven underwriting experience across conventional and VA; strong credit analysis, tax returns, and transcripts experience. Key Responsibilities * Document & Data Review: Collect, organize, and validate borrower/property documentation; confirm receipt/integrity of materials. * Credit Analysis: Determine borrower creditworthiness using qualitative/quantitative methods (e.g., DTI, LTV) per company, investor, and regulatory guidelines; analyze credit independently of scoring systems. * Appraisal Oversight: Conduct thorough appraisal examinations; work with appraisers to ensure collateral meets guidelines (including VA/FHA reviews under SAR/LAPP/DE authority where applicable). * Decisioning: Approve or decline submissions within assigned authority; authorize disbursements; prepare counteroffers; recommend rejections/alternatives; issue adverse-action notices in line with ECOA. * Exception Handling: Analyze exceptions/suspensions; recommend suitable mortgage products for marginal or atypical scenarios. * Collaboration & Support: Partner with originators/processors; respond to Underwriting Assist Desk queries; help maintain underwriting manuals; mentor processors/closers/loan officers. * Compliance: Maintain knowledge of Company's products and guideline changes; adhere to Bank Secrecy Act policies and procedures. Required Skills & Experience * Underwriting Expertise: Conventional and VA underwriting experience; proficiency with FHA tools (FHA Connection, Total Scorecard) and industry systems. * Financial Analysis: Advanced personal/business financial analysis; expert in tax return and balance sheet review. * Regulatory Knowledge: Fair Lending & Consumer Protection (ECOA, TIL, RESPA); NFCU/investor guidelines; USPAP for appraisals. * Communication & Judgment: Strong interpersonal, written, and verbal skills; sound judgment and initiative; organizational excellence. Job Type & Location This is a Contract to Hire position based out of Vienna, VA. Pay and BenefitsThe pay range for this position is $22.02 - $39.93/hr. Eligibility requirements apply to some benefits and may depend on your job classification and length of employment. Benefits are subject to change and may be subject to specific elections, plan, or program terms. If eligible, the benefits available for this temporary role may include the following: * Medical, dental & vision * Critical Illness, Accident, and Hospital * 401(k) Retirement Plan - Pre-tax and Roth post-tax contributions available * Life Insurance (Voluntary Life & AD&D for the employee and dependents) * Short and long-term disability * Health Spending Account (HSA) * Transportation benefits * Employee Assistance Program * Time Off/Leave (PTO, Vacation or Sick Leave) Workplace TypeThis is a hybrid position in Vienna,VA. Application DeadlineThis position is anticipated to close on Apr 16, 2026. h4>About TEKsystems: We're partners in transformation. We help clients activate ideas and solutions to take advantage of a new world of opportunity. We are a team of 80,000 strong, working with over 6,000 clients, including 80% of the Fortune 500, across North America, Europe and Asia. As an industry leader in Full-Stack Technology Services, Talent Services, and real-world application, we work with progressive leaders to drive change. That's the power of true partnership. TEKsystems is an Allegis Group company. The company is an equal opportunity employer and will consider all applications without regards to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law. About TEKsystems and TEKsystems Global Services We're a leading provider of business and technology services. We accelerate business transformation for our customers. Our expertise in strategy, design, execution and operations unlocks business value through a range of solutions. We're a team of 80,000 strong, working with over 6,000 customers, including 80% of the Fortune 500 across North America, Europe and Asia, who partner with us for our scale, full-stack capabilities and speed. We're strategic thinkers, hands-on collaborators, helping customers capitalize on change and master the momentum of technology. We're building tomorrow by delivering business outcomes and making positive impacts in our global communities. TEKsystems and TEKsystems Global Services are Allegis Group companies. Learn more at TEKsystems.com. The company is an equal opportunity employer and will consider all applications without regard to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law.