On-site | Orange, CA
Full-Time | Monday–Friday, 9:00 AM – 5:00 PM
$84,000–$120,000/year + bonus (based on performance metrics)

ABOUT ENNKAR

Ennkar is a well-established mortgage lender based in Orange, CA, specializing in reverse mortgage lending and dedicated to providing personalized home financing solutions. We’re committed to integrity, efficiency, and excellence—backed by a supportive and professional company culture.
We are currently seeking an experienced Senior Mortgage Underwriter to join our operations team. This is a critical role responsible for evaluating and approving reverse mortgage loan files in accordance with HUD, investor, and company guidelines. Reverse mortgage experience is required for this role.

QUALIFICATIONS:

• High school diploma or equivalent required; college degree preferred
• Minimum 5 years of experience in mortgage underwriting required
• Must have reverse mortgage underwriting experience (HECM and/or jumbo reverse products)
• Deep knowledge of HUD/FHA guidelines and reverse mortgage program requirements
• DE certification preferred
• Excellent analytical and decision-making skills
• Strong written and verbal communication
• Proficient in loan origination systems (e.g., QuantumReverse)
• Detail-oriented, dependable, and efficient under pressure
• Must be able to work in-office, 5 days a week (this is not a remote position)

• Review and analyze credit, income, assets, and collateral documentation to determine loan eligibility
• Make accurate and timely underwriting decisions for reverse mortgage loans (HECM and proprietary products)
• Ensure all files meet HUD, FHA, investor, regulatory, and internal guidelines and overlays
• Issue loan approvals, suspensions, and denials with clearly stated conditions and rationale
• Collaborate with processors, loan officers, and compliance staff to ensure smooth file flow
• Maintain up-to-date knowledge of reverse mortgage underwriting guidelines, product changes, and industry trends
• Provide mentorship to junior staff as needed
• Accurately document all underwriting decisions within the loan origination system
• Meet company benchmarks for loan turnaround times and file quality