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Back End Underwriter Jobs (NOW HIRING)

Firstsource

Mortgage Underwriter

Palm Bay, FL · On-site

Complete back-end and front-end DTI calculations. * Evaluate collateral using the appraisal or AVM ... Maintain underwriting decision records in Encompass sufficient to support NCUA examination ...

Firstsource

Mortgage Underwriter

Palm Bay, FL · On-site

Complete back-end and front-end DTI calculations. * Evaluate collateral using the appraisal or AVM ... Maintain underwriting decision records in Encompass sufficient to support NCUA examination ...

Covius

TE Residential Credit Underwriter

$32 - $40/hr

Up-to-date knowledge in Fannie/Freddie guidelines, back-end quality control and fraud audit experience. * Must be able to use Desktop Underwriter (DU), Loan Prospector (LP) and other LOS (loan ...

Covius

TE Residential Credit Underwriter

Glendale, CO · On-site

$32 - $40/hr

Up-to-date knowledge in Fannie/Freddie guidelines, back-end quality control and fraud audit experience. * Must be able to use Desktop Underwriter (DU), Loan Prospector (LP) and other LOS (loan ...

Covius

TE Residential Credit Underwriter

$32 - $40/hr

Up-to-date knowledge in Fannie/Freddie guidelines, back-end quality control and fraud audit experience. * Must be able to use Desktop Underwriter (DU), Loan Prospector (LP) and other LOS (loan ...

Coalition, Inc.

Senior Software Engineer, Underwriting

WV · On-site +1

$195K/yr

About the role The Senior Software Engineer on the Underwriting team designs and builds backend services and systems that power Coalition's cyber insurance underwriting decisions. They integrate ...

Imprint

Staff Software Engineer, Backend

New York, NY · On-site

We combine advanced payments infrastructure, intelligent underwriting, and deep customer data to ... The backend is core to this expansion: every transaction, every credit decision, and every rewards ...

Imprint

Staff Software Engineer, Backend

New York, NY · On-site

$200K - $250K/yr

We combine advanced payments infrastructure, intelligent underwriting, and deep customer data to ... The backend is core to this expansion: every transaction, every credit decision, and every rewards ...

Bestow, Inc

Senior Backend Engineer II - IPC

$202K - $237K/yr

You'll work alongside Product Managers, Underwriters, external partners to build and operate ... As Senior Backend Engineer II, you'll build and operate IPC's systems, contribute to technical ...

Bestow, Inc

Staff Backend Engineer

$202K - $237K/yr

You'll work alongside Product Managers, Underwriters, and external partners to build and operate ... Design, build, and operate backend services using Python + PostgreSQL, Go, and a Java-based Drools ...

Kalepa

Staff Backend Engineer - Core Product (USA)

$210K - $290K/yr

Insurance is a $7T global industry built on professional labor: underwriting, claims, pricing ... As part of the Core Backend team, you'll work on the systems at the center of Kalepa: designing ...

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Back End Underwriter information

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$32.5K

$78.9K

$139.5K

How much do back end underwriter jobs pay per year?

As of Sep 10, 2026, the average yearly pay for back end underwriter in the United States is $78,878.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $87,000.00 per year, depending on experience, location, and employer.

What is a back end underwriter?

Back end underwriters are professionals who review and evaluate loan applications after the initial processing stage to ensure that all documentation meets the lender's guidelines and regulatory requirements. They analyze credit reports, income statements, and property appraisals to assess the risk of granting a loan. Their primary goal is to make the final decision on whether to approve or deny a loan application based on thorough risk assessment and compliance checks. Back end underwriters play a critical role in minimizing financial risk for lenders and ensuring that loans are granted responsibly.

What are the key skills and qualifications needed to thrive as a back end underwriter?

Strong analytical skills, attention to detail, and a solid understanding of lending guidelines and risk assessment are essential for a Back End Underwriter, typically supported by a degree in finance, business, or a related field. Familiarity with loan origination systems (LOS), automated underwriting systems like DU or LP, and relevant certifications such as DE (Direct Endorsement) can be highly beneficial. Exceptional organizational skills, effective communication, and sound judgment help underwriters navigate complex cases and collaborate with loan officers. These competencies are crucial for accurately assessing loan risk, ensuring regulatory compliance, and supporting sound lending decisions.

What are some common challenges back end underwriters face when reviewing loan files, and how can these be managed?

Back End Underwriters often encounter challenges such as incomplete documentation, discrepancies in borrower information, or tight deadlines for loan approvals. Managing these effectively requires strong attention to detail, effective communication with loan processors and originators, and efficient time management. Building good working relationships with other departments and staying updated on changing lending guidelines can also help streamline the process and reduce errors.

What cities are hiring for Back End Underwriter jobs?

Cities with the most Back End Underwriter job openings:

What states have the most Back End Underwriter jobs?

States with the most job openings for Back End Underwriter jobs include:

What are popular job titles related to Back End Underwriter jobs?

For Back End Underwriter jobs, the most frequently searched job titles are:

Infographic showing various Back End Underwriter job openings in the United States as of August 2026, with employment types broken down into 79% Full Time, 16% Part Time, 1% Temporary, and 4% Contract. Highlights an 89% Physical, 3% Hybrid, and 8% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Mortgage Underwriter

Palm Bay, FL • On-site

Firstsource
IT Services
Learn more about Firstsourceexternal

Full-time

Posted 10 days ago

Firstsource rating

6.5

Company rating: 6.5 out of 10

Based on 57 frontline employees who took The Breakroom Quiz

Job description

Role Summary
The HELOC Loan Underwriter is the credit decision authority for the credit union's home equity line of credit program. This role is responsible for evaluating the creditworthiness of HELOC applicants against the credit union's board-approved lending policy, ensuring that every credit decision is accurate, consistent, well-documented, and defensible under NCUA examination. The Underwriter analyzes the complete Four C's - Credit, Capacity, Capital, and Collateral - and issues clear, actionable decisions supported by detailed conditions that allow compliant processing teams to move files forward without ambiguity.
Core Responsibilities
  • Review and decision HELOC loan files submitted by the processing team - issuing conditions for approval, final approval, or denials in compliance with the credit union's board-approved credit policy and any applicable regulatory requirements.
  • Conduct a comprehensive credit analysis covering: tri-merge credit report review, tradeline history, derogatory item evaluation, mortgage and rental payment history, recent inquiry analysis, credit score tier determinatio, income, assets, property, lien position, and all other underwriting decision factors as presented in file
  • Calculate qualifying income for all borrower types - W-2 salaried, hourly, commission, self-employed, retired, and rental income earners - using the credit union's approved income analysis methodology.
  • Complete back-end and front-end DTI calculations.
  • Evaluate collateral using the appraisal or AVM report - reviewing comparable selection, market condition adjustments, property condition rating, and the resulting CLTV against policy maximums by property type and occupancy.
  • Review title report or title commitment for lien position, outstanding encumbrances, judgments, tax liens, mechanics liens, and any title exceptions that affect insurability or lien priority.
  • Issue clear, specific conditions that are achievable, policy-grounded, and actionable by the processing team - avoiding vague conditions that require repeated interpretation.
  • Prepare exception requests documenting the compensating factors considered, the exception granted or denied, and the approval authority level in compliance with the credit policy exception framework.
  • Maintain a working knowledge of fair lending requirements - ensuring that credit decisions are based solely on documented, credit-policy-grounded factors and that no file reflects differential treatment based on a protected characteristic.
  • Provide clear written decision rationale in Encompass for every file - approved with conditions, suspended, or denied - sufficient to reconstruct the decision logic during an NCUA examination or a member dispute.
  • Respond to processing team condition clearance submissions within 24 hours of receipt - reviewing documentation, clearing eligible conditions, and issuing any secondary conditions clearly identified as such.
  • Participate in pipeline review calls identifying stalled files, exception trends, and systemic underwriting issues.

Credit Analysis Standards
  • Credit: Evaluate FICO scores across all three bureaus, using the middle score for qualification. Review all tradelines for payment history, utilization, derogatory items, and age. Apply seasoning requirements for bankruptcy, foreclosure, and short sale per policy.
  • Capacity: Calculate qualifying income for all income types following the credit union's income analysis worksheets. Verify income against IRS transcripts. Identify declining income trends and apply the lower year or trend-adjusted figure as required by policy.
  • Capital: Verify asset sufficiency for required reserves. Confirm asset seasoning of 60 days minimum in account. Source and document all large deposits exceeding 50% of monthly income. Apply haircuts to retirement assets per policy.
  • Collateral: Validate CLTV against the policy maximum for the applicable property type, occupancy, and credit tier. Review appraisal methodology, comparable selection, and condition rating. Flag any appraisal concerns to the supervisor before issuing a decision.
  • Respond to prefund and post-closing review and audits in a timely fashion.

Regulatory & Compliance Responsibilities
  • Maintain comprehensive working knowledge of TILA/Regulation Z, ECOA/Regulation B, FCRA, HMDA/Regulation C, and NCUA real estate lending regulations (12 CFR Part 723).
  • Apply fair lending principles consistently across every file - document the credit rationale for every decision in terms that demonstrate consistency with how similarly situated applicants are treated.
  • Flag any file with potential BSA/AML concerns - large unexplained deposits, third-party payoffs, or identity inconsistencies - to the BSA Officer before issuing a decision.
  • Verify completion of OFAC screening and flood determination before issuing an approval decision.
  • Maintain underwriting decision records in Encompass sufficient to support NCUA examination, internal audit, and fair lending review for the required retention period.

Required Qualifications
  • Minimum 4 years of mortgage underwriting experience, with at least 2 years specifically underwriting home equity products.
  • Expert-level income analysis skills - including self-employed income analysis using Schedule C, 1120S, 1065, and K-1 documentation.
  • Working knowledge of Encompass LOS including the conditions log, eFolder review, and milestone management.
  • Deep familiarity with ECOA adverse action requirements, HMDA data elements, and compliance as applied to HELOC transactions.
  • Demonstrated ability to make credit decisions independently and defend those decisions in writing against examiner or audit scrutiny.
  • Strong analytical and written communication skills - conditions and decision narratives must be clear, specific, and actionable.
  • Track record of accurate, timely decisioning with a first-submission approval rate and condition specificity that enables clean file flow.

Preferred Qualifications
  • Credit union underwriting experience - familiarity with NCUA examination process and member-relationship lending culture.
  • Experience underwriting in Texas, New York, or other states with complex home equity lending requirements.
  • Experience serving as an underwriting trainer or mentor for junior underwriters or processors.

Performance Standards
  • Decision accuracy rate of 98% or above - decisions that do not require correction or reversal on re-review.
  • Condition specificity - zero conditions issued that require interpretation or follow-up clarification from the processing team.
  • 24-hour turnaround from file submission to conditional approval.
  • 24-hour turnaround from condition clearance submission to condition sign-off.
  • 100% ECOA compliance
  • Zero fair lending findings attributable to inconsistent credit decision rationale across similarly situated files.

Equal Employment Opportunity
We are an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, veteran status, sexual orientation, gender identity, or any other characteristic protected by applicable federal, state, or local law.
This job description is intended to describe the general nature and level of work being performed. It is not an exhaustive list of all responsibilities, duties, and skills required. Management reserves the right to modify, add, or remove duties and to assign other duties as necessary.

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