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Remote Collateral Underwriter Jobs (NOW HIRING)

AmeriSave Mortgage Corp.

... collateral risk, interpret complex appraisal scenarios, and provide clear guidance while ensuring ... Remote work applicants may not work from the following states: California. What You'll Do: * Review ...

NovaFi Mortgage, Inc.

Underwriter

Santa Ana, CA · On-site +1

Remote Home Office - KMS Description The Wholesale Underwriter is responsible for reviewing and ... This role analyzes borrower creditworthiness, income, assets, collateral, and overall loan risk to ...

Lendz Financial

Underwriter (Post-Close/QC)

OR · On-site +1

... Closing Underwriter to join our growing Operations team. This role is designed for a mortgage ... collateral completeness. This is a fully remote position , within a collaborative, high ...

Visio Lending

Remote Mortgage Underwriter III

$38.85 - $53.02/hr

Evaluate borrower creditworthiness, collateral, and repayment capacity * Confirm all lending ... Authorized Remote Locations: AL, AR, AZ, FL, GA, IL, IN, KS, KY, LA, MI, NC, SC, TX, UT * Work ...

Visio Lending

Remote Mortgage Underwriter II

$35.09 - $48/hr

Evaluate borrower creditworthiness, loan collateral, and repayment capacity * Maintain acceptable ... Authorized Remote Locations: AL, AR, AZ, FL, GA, IL, IN, KS, KY, LA, MI, NC, SC, TX, UT * Work ...

Bold Mortgage

Conventional Underwriter

Miami, FL · Remote

$85K/yr

One of the biggest benefits about Underwriting with PRMG is that we encourage remote Underwriting ... Underwrites the entire credit package and collateral for residential mortgage loans and ultimately ...

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Remote Collateral Underwriter information

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$32.5K

$78.9K

$139.5K

How much do remote collateral underwriter jobs pay per year?

As of Aug 28, 2026, the average yearly pay for remote collateral 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 remote collateral underwriter?

A Remote Collateral Underwriter is a financial professional who evaluates and verifies the value and quality of collateral, such as real estate or other assets, for loan applications while working from a remote location. Their primary responsibility is to assess whether the collateral offered by borrowers meets the lender’s standards and mitigates risk. They analyze appraisals, property reports, and sometimes work with automated valuation tools to ensure the security and accuracy of the collateral value. This role is crucial in mortgage lending, refinancing, and other secured loans, and it typically involves close coordination with loan officers, appraisers, and risk management teams.

What are the key skills and qualifications needed to thrive as a remote collateral underwriter?

To thrive as a Remote Collateral Underwriter, you need a solid understanding of mortgage underwriting guidelines, risk assessment, and property valuation, typically backed by experience in residential or commercial lending. Proficiency with loan origination systems, automated underwriting software (such as DU or LP), and familiarity with relevant certifications like DE or SAR is often required. Strong analytical thinking, attention to detail, and effective communication skills set top performers apart in this role. These skills and qualities are crucial for accurately assessing collateral risk, ensuring compliance, and facilitating smooth loan processing in a remote environment.

What are some common challenges faced by remote collateral underwriters and how can they be addressed?

Remote Collateral Underwriters often face the challenge of limited access to physical property inspections and must rely heavily on digital documentation and third-party appraisal reports. Maintaining effective communication with appraisers, loan officers, and other stakeholders is crucial to ensure the accuracy and completeness of information. Additionally, staying up-to-date with changing underwriting guidelines and leveraging secure technology platforms can help streamline workflow and minimize errors. Building strong organizational habits and proactively seeking clarification when needed are key strategies for success in this remote role.

What is the difference between Remote Collateral Underwriter vs Remote Mortgage Underwriter?

AspectRemote Collateral UnderwriterRemote Mortgage Underwriter
CredentialsTypically requires mortgage underwriting certifications and knowledge of collateral evaluationRequires mortgage underwriting licenses and familiarity with loan documentation
Work EnvironmentPerforms analysis remotely, often for banks or mortgage lendersWorks remotely or in office, assessing loan applications and documentation
Industry UsageUsed mainly in mortgage lending and real estate financeCommon in mortgage banking and loan processing
Comparison FocusFocuses on collateral valuation and risk assessmentFocuses on overall loan approval and compliance

The Remote Collateral Underwriter primarily evaluates collateral value and risk in mortgage transactions, while the Remote Mortgage Underwriter reviews entire loan files for approval. Both roles require mortgage-related certifications and are integral to the mortgage lending industry, but they focus on different aspects of the underwriting process.

More about Remote Collateral Underwriter jobs

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What are the most commonly searched types of Collateral Underwriter jobs?

The most popular types of Collateral Underwriter jobs are:

What states have the most Remote Collateral Underwriter jobs?

States with the most job openings for Remote Collateral Underwriter jobs include:

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Remote Collateral Underwriter jobs near you
Infographic showing various Remote Collateral Underwriter job openings in the United States as of July 2026, with employment types broken down into 93% Full Time, 5% Part Time, and 2% Contract. Highlights an 85% Physical, 6% Hybrid, and 9% Remote job distribution, with an average salary of $78,878 per year, or $37.9 per hour.

Mortgage Appraisal Underwriter

Remote

AmeriSave Mortgage Corp.
Finance and Insurance • 1 - 5K employees
Learn more about AmeriSave Mortgage Corp.external

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 15 days ago

Job description

Description
AmeriSave Mortgage has set the standard in online mortgage lending with over $130 billion in funded loan volume. As one of the top-rated, largest privately-owned online mortgage lenders in the nation, our mission is to deliver beneficial, responsible home lending solutions with unwavering integrity, dedication and excellence.
Our employees are the driving force behind our success. We believe in the power of a dynamic and talented workforce and creating an environment where your contributions are not just recognized, they're celebrated. Your success is our success, and we are seeking skilled professionals who are ready to bring their A-game, exceed benchmarks and enhance the overall excellence of AmeriSave, while also growing and advancing their careers.
At AmeriSave, we're one team with one shared dream - to be the best. Let's redefine excellence together!
What We're Looking For:
The ideal candidate is a recognized appraisal subject matter expert who can confidently assess collateral risk, interpret complex appraisal scenarios, and provide clear guidance while ensuring compliance with agency, investor, and regulatory requirements. This individual balances risk management with operational efficiency and is passionate about maintaining the highest standards of appraisal quality and valuation integrity.
This is a remote, work from home opportunity - giving you flexibility while staying connected to a team that has your back. Remote work applicants may not work from the following states: California.
What You'll Do:
  • Review and underwrite residential real estate appraisals to ensure compliance with investor, agency, and company requirements.
  • Analyze appraisal reports for completeness, accuracy, consistency, and adherence to USPAP, FHA, Fannie Mae, Freddie Mac, VA, and internal lending guidelines.
  • Evaluate property eligibility, marketability, valuation methodology, comparable sales selection, adjustments, and overall appraisal quality.
  • Assess complex appraisal scenarios involving unique properties, declining markets, rural properties, condominiums, manufactured homes, mixed-use properties, and properties with atypical characteristics.
  • Identify valuation concerns, appraisal deficiencies, and potential collateral risk factors requiring correction or escalation.
  • Review appraisal revisions, reconsiderations of value, desk reviews, and other collateral review products.
  • Partner with appraisal management companies (AMCs), operations teams, underwriters, and leadership to resolve valuation-related issues.
  • Serve as a subject matter expert on appraisal guidelines, collateral risk, property eligibility, and valuation best practices.
  • Monitor industry trends, regulatory changes, and agency updates impacting appraisal and collateral underwriting practices.
  • Maintain production, quality, and service-level expectations while ensuring sound risk management decisions.
  • Participate in audits, quality control reviews, and process improvement initiatives to strengthen collateral risk management.

What You'll Need:
  • Minimum of 5 years of residential mortgage appraisal review, collateral underwriting, valuation, appraisal quality control, or related mortgage experience.
  • Advanced knowledge of residential appraisal methodology, valuation principles, and industry standards.
  • Strong understanding of USPAP requirements and appraisal regulatory compliance.
  • Extensive knowledge of FHA, Fannie Mae, Freddie Mac, VA, and conventional appraisal guidelines.
  • Demonstrated ability to identify appraisal deficiencies, unsupported adjustments, marketability concerns, and collateral risk factors.
  • Experience reviewing complex appraisal reports, including condominiums, PUDs, rural properties, manufactured housing, investment properties, and high-balance transactions.
  • Strong understanding of property eligibility requirements, market analysis, comparable sale selection, and valuation reconciliation.
  • Exceptional analytical, critical thinking, and decision-making skills.
  • Ability to interpret agency guidelines and apply them consistently across varying collateral scenarios.
  • Excellent written and verbal communication skills with the ability to clearly articulate valuation concerns and review findings.
  • Strong organizational skills with the ability to manage multiple priorities in a fast-paced environment.
  • Proficiency with appraisal review technology, collateral underwriting systems, and mortgage origination platforms.
  • FHA DE, Licensed Residential Appraiser, Certified Residential Appraiser, or SRA designation preferred but not required.
  • High-speed internet required for remote work, Cable or Fiber ONLY with the ability to connect via Ethernet. Minimum speeds: 70/30 Mbps (basic), 200-300/35-70 Mbps (shared), 500-1,000/100+ Mbps (heavy use).

Preferred Qualifications
  • Prior experience as an Appraisal Underwriter, Collateral Underwriter, Appraisal Review Specialist, or Residential Appraiser.
  • Knowledge of Fannie Mae Collateral Underwriter (CU), Uniform Appraisal Dataset (UAD), and appraisal modernization initiatives.
  • Experience supporting internal quality control, audit, and regulatory examinations.
  • Ability to train and mentor underwriters and operational staff on appraisal-related topics.
  • Strong understanding of collateral risk management practices within a high-volume mortgage environment.

**Please note that the compensation and benefit information that follows is a good faith estimate for this position only and is provided pursuant to applicable state and local laws on pay transparency. It is estimated based on what a successful applicant in the relevant state might be paid. **
Compensation:
The hourly rate for this position ranges between $17 - $25 per hour plus bonus based upon individual performance. Annualized target compensation range is $60,000 - $75,000.
Benefits:
• 401(k)
• Dental insurance
• Disability insurance
• Employee discounts
• Health insurance
• Life insurance
• Paid time off
• 12 paid holidays per year
• Paid training
• Referral program
• Vision insurance
Supplemental pay types:
  • Bonus
  • Referral bonuses

AmeriSave is an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.
California Consumer Privacy Act Disclosure Acknowledgment
Employment Applicants, New Hires, and Employees Residing in California
AmeriSave Mortgage Corporation's Privacy Policy Statement ("Policy") can be reviewed here: www.amerisave.com/privacy-policy
AmeriSave Mortgage Corporation's California Consumer Privacy Act ("CCPA") Recruitment Disclosure can be reviewed here: https://www.amerisave.com/ccpa-recruitment-disclosure/
When AmeriSave's Human Resources Department makes future requests for personal information, the same Policy is applicable. By applying, you understand this acknowledgment covers current and future personal information requests. You also acknowledge the business purpose of the personal information collected and that future requests may occur while applying for a position at AmeriSave and/or during employment, if applicable.

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