Government Insuring Specialist

The Government Insuring Specialist is responsible to ensure compliance with FHA, VA, and USDA agency guidelines and for successfully endorsing or guaranteeing loans for government insurance. This role serves as the final quality control review prior to insurance endorsement and is critical to mitigating agency risk, indemnification, and early payment default exposure. The specialist works independently while adhering to established Government Insuring Procedures, job aids, and checklists, and collaborates closely with Government Post-Closing, Quality Control, and internal business partners. Essential Duties & Responsibilities • Perform final review of FHA and VA closed loan files to ensure compliance with applicable agency requirements prior to endorsement or guaranty • Complete required Government Specialist Checklists for all assigned loans, ensuring all pre-endorsement, endorsement, and post-endorsement tasks are satisfied • Submit insurance applications through applicable agency systems (e.g., FHA Connection, VA WebLGY) in accordance with documented procedures • Identify, research, and resolve agency errors, warnings, and exceptions, coordinating cures with internal partners as needed • Review and validate supporting documentation including, but not limited to: appraisals, closing disclosures, damage inspections, escrow holdbacks, and entitlement documentation • Track and document key insuring milestones and dates to ensure timely endorsement and reporting • Communicate professionally and effectively with internal teams regarding missing items, deficiencies, and loan status • Ensure accurate documentation and comments are maintained in the loan system of record • Escalate non-compliant or high-risk loans in accordance with established procedures • Maintain up-to-date knowledge of FHA and VA guidelines, investor requirements, and internal policy changes • Support audits, quality control reviews, and management reporting as requested