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Remote Collateral Underwriter Jobs in California

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 ...

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 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.

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 August 2026, with employment types broken down into 100% Full Time. Highlights an 100% Remote job distribution.

Underwriter

NovaFi Mortgage, Inc.

Santa Ana, CA • On-site, Remote

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 10 days ago

Job description

Underwriter
Department: Operations
Employment Type: Full Time
Location: Remote Home Office - KMS
Description
The Wholesale Underwriter is responsible for reviewing and evaluating residential mortgage loan applications submitted through third-party brokers to ensure compliance with company guidelines, investor requirements, and applicable regulations. This role analyzes borrower creditworthiness, income, assets, collateral, and overall loan risk to make sound underwriting decisions while maintaining service level expectations.
Key Responsibilities
  • Review and analyze loan applications, credit reports, and financial documents to determine borrower eligibility.
  • Assess risk factors associated with mortgage loans, including income verification, debt-to-income ratios, and creditworthiness.
  • Ensure compliance with federal and state regulations as well as company policies throughout the underwriting process.
  • Collaborate with brokers, Account Managers, Account Executives, and other stakeholders to resolve any issues or discrepancies in documentation.
  • Prepare detailed financial reports summarizing findings and recommendations for loan approvals or denials.
  • Experience with Encompass is required
  • Conduct quantitative analysis to evaluate borrower profiles and market conditions impacting loan decisions.
  • Stay updated on industry trends, changes in regulations, and best practices in mortgage underwriting.

Preferred Skills, Knowledge and Expertise
  • Active Underwriter designation certificate (DE) required
  • Experience using Encompass required
  • Proven experience in mortgage underwriting or a related field within financial services.
  • Strong knowledge of HUD underwriting guidelines.
  • Excellent analytical skills with attention to detail to ensure accuracy in assessments.
  • Strong communication skills for effective collaboration with team members and clients.
  • Ability to work independently while managing multiple tasks in a fast-paced environment.

Benefits
Kings Mortgage Services, Inc. offers a full suite of benefits including:
  • Medical Insurance
  • Dental insurance
  • Vision insurance
  • Life insurance
  • Paid time off
  • 401(k) with company match

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