Canopy Mortgage, LLC Corporate Opportunities - Senior Mortgage Underwriter

The Role
Join Canopy Mortgage, one of the fastest-growing independent mortgage lenders in the industry. As we continue to expand our national footprint, we are seeking an experienced, high-caliber Senior Mortgage Underwriter.

This role is ideal for a tech-savvy, strategic thinker who views underwriting as a balance of proactive problem-solving and disciplined risk management. The successful candidate will evaluate complex loan files across a diverse product suite, ensuring each decision is supported by sound analysis, accuracy, and strong professional judgment.

We are looking for a collaborative professional who strives to create win-win outcomes for both the company and our sales partners. This individual brings exceptional instincts, attention to detail, and strong interpersonal skills, enabling them to navigate nuanced scenarios with confidence and clarity.

The ideal candidate thrives in a fast-paced environment, demonstrates a high level of urgency in meeting stakeholder needs, and communicates decisions in a clear, constructive, and solutions-oriented manner. Adaptability is key—this role requires someone who embraces new technologies, processes, and procedures with a positive mindset and without frustration.

Canopy Mortgage values a proactive self-starter who independently researches agency updates and stays ahead of industry trends. A customer-service mindset, paired with professionalism and approachability, is essential to fostering trust and collaboration across teams.

Key Responsibilities

• Comprehensive Financial Evaluation: Perform in-depth reviews of income, assets, and borrower profiles. Expertly calculate complex self-employed cash flow and analyze business financial strength.
• Collateral & Compliance Mastery: Review appraisals for accuracy and acceptability. Ensure all loans meet corporate credit policy, ATR, and Qualified Mortgage (QM) provisions.
• Data-Driven Decisioning: Provide clear, logical decisions on approvals or denials. Articulate "the why" to Loan Officers and stakeholders with professional clarity and a solution-oriented approach.
• Integrity & Quality Control: Review transmittals and 1003s for 100% completeness. Identify potential red flags and fraud risks early to protect company and secondary market standards.
• Expert Research: Actively monitor updates to GSE, HUD, VA, and USDA guidelines to remain the internal subject matter expert on evolving regulations.

Qualifications & Skills

• Experience: 5+ years of recent mortgage underwriting experience (FHA, VA, Conventional, and Bond).
• Designations: Active DE (CHUMS) and SAR/LAPP designations are required.
• Tech Mastery: High level of comfort with modern automated underwriting systems (DU/LP/GUS) 
• Communication: Exceptional verbal and written skills; ability to translate complex guidelines into actionable feedback for the sales team.
• Mindset: High integrity, outstanding work ethic, and the ability to meet production standards in a fluid environment.