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Remote Collateral Underwriter Jobs in California

Plaza Home Mortgage, Inc.

Non-QM Underwriter

San Diego, CA · Remote

$43.27 - $55.29/hr

This role requires advanced analysis of borrower capacity, collateral, and creditworthiness through ... This is a remote position . Compensation and Benefits: Estimated Rate of Pay: $43.27 - $55.29 This ...

Avidbank

Relationship Manager

San Jose, CA · On-site +1

$105K - $160K/yr

... of collateral is made by the appropriate personnel. * Negotiates, underwrites and processes ... Thrives in a dynamic and remote work environment * Skilled communicator (written and verbal)

Avidbank

VP, Relationship Manager

San Jose, CA · On-site +1

$100K - $160K/yr

Take ownership of independent collateral verification and protection, and borrower due diligence ... Lead the underwriting, approval, negotiating, and closing processes for additional funding requests ...

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Remote Collateral Underwriter information

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.

What are the key skills and qualifications needed to thrive as a Remote Collateral Underwriter, and why are they important?

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 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 popular job titles related to Remote Collateral Underwriter jobs in California? For Remote Collateral Underwriter jobs in California, the most frequently searched job titles are:
What job categories do people searching Remote Collateral Underwriter jobs in California look for? The top searched job categories for Remote Collateral Underwriter jobs in California are:
What cities in California are hiring for Remote Collateral Underwriter jobs? Cities in California with the most Remote Collateral Underwriter job openings:
Remote Collateral Underwriter jobs near you
Infographic showing various Remote Collateral Underwriter job openings in California as of July 2026, with employment types broken down into 93% Full Time, 5% Part Time, and 2% Contract. Highlights an 93% Physical, 3% Hybrid, and 4% Remote job distribution.
Mortgage Underwriter (5-10 Unit Properties) Remote

Mortgage Underwriter (5-10 Unit Properties) Remote

Lendsure Mortgage Corp

San Diego, CA • On-site, Remote

$68K - $90K/yr

Full-time

Posted 14 days ago

Job description

Annual Salary Range $68,000 - $90,000 with quarterly bonus plan.

Preference: San Diego CA, Kennesaw GA or Warwick RI, remote candidates will be considered 

LendSure Mortgage Corp. is a fast-growing Wholesale Lender offering Non-QM loan solutions. LendSure helps mortgage originators grow their business by offering loan solutions to borrowers who do not fall into conforming guidelines. At LendSure Mortgage Corp., we have created an environment where high-energy professionals can learn, excel, grow, and feel great about their contributions to our success.

LendSure is committed to attracting and retaining top talent throughout the United States and offers a competitive salary, benefits, and opportunities to grow within the company.

The Mortgage Underwriter for 5-10 unit properties is responsible for evaluating mortgage loan applications for multi-unit residential properties (typically considered commercial properties) ranging from 5 to 10 units. They assess risk, ensure compliance with lending guidelines and regulations, and make informed decisions on loan approvals or denials. This role requires a strong understanding of both residential and commercial real estate underwriting principles, with a specific focus on the unique characteristics of 5-10 unit properties.

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Key responsibilities

  • Review and analyze mortgage loan applications and supporting documentation (e.g., credit reports, financial statements, income verification, property appraisals) for 5-10 unit properties.
  • Assess borrower creditworthiness, financial capacity, and ability to repay the loan, considering the specific financial dynamics of multi-unit properties.
  • Evaluate the property\'s financial performance, including projected rental income, operating expenses, vacancy rates, and Debt Service Coverage Ratio (DSCR).
  • Analyze property appraisals to ensure the collateral value aligns with loan amount and property standards.
  • Ensure compliance with all applicable lending guidelines (e.g., internal policies, investor requirements, and federal and state regulations like TRID, RESPA).
  • Make informed loan decisions (approve, suspend, or deny) based on a comprehensive risk assessment and communicate these decisions to relevant stakeholders (e.g., Account Executives and processors).
  • Clearly communicate the reasons for loan decisions and any required conditions.
  • Work collaboratively with loan processors and Account Executives to obtain additional information or clarification and ensure accurate documentation throughout the underwriting process.
  • Stay updated on industry trends, lending guidelines, regulations, and market conditions relevant to 5-10 unit properties and commercial real estate.
  • Maintain accurate and detailed loan documentation in the underwriting system.
  • Identify potential fraud or misrepresentation and escalate concerns when necessary.

Qualifications

  • A bachelor\'s degree in a related field is often preferred.
  •  Non-QM experience as a mortgage underwriter is preferred , with a focus on multifamily or commercial real estate loans, specifically including 5-10 unit properties.
  • Key requirements include strong analytical skills for assessing financial data and risk, in-depth knowledge of lending guidelines and regulations, and familiarity with relevant financial metrics like NOI and DSCR.
  • Additional qualifications include excellent communication skills, attention to detail, proficiency in underwriting software, strong decision-making abilities, and the capacity to meet deadlines in a demanding environment.
  • Knowledge of local real estate markets and property management is also beneficial.

This employer participates in E-Verify and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S.

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