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Remote Collateral Underwriter Jobs (NOW HIRING)

Rapid Mortgage

Mortgage Underwriter - DE/SAR

Remote Join a Fast-Paced, High-Performing Team in Mortgage Lending Excellence Rapid Mortgage ... This includes assessing creditworthiness, income stability, asset sufficiency, and collateral value.

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Senior C&I Underwriter

Miami, FL · Remote

$150K - $160K/yr

Hybrid from one of the Florida office locations or Fully Remote (for exceptional candidates ... analysis, collateral evaluation, and risk assessment * Analyze complex borrower structures ...

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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 Jul 15, 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 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.
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Remote Collateral Underwriter jobs near you
Mortgage Underwriter - DE/SAR

Mortgage Underwriter - DE/SAR

Rapid Mortgage

Remote

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 7 days ago

Job description

Rapid Mortgage Company
Position Title: DE/SAR Mortgage Underwriter
Location: Remote
Join a Fast-Paced, High-Performing Team in Mortgage Lending Excellence
Rapid Mortgage Company is a nationally recognized lender known for speed, service, and integrity. We are actively expanding and seeking an experienced and highly motivated DE/SAR Mortgage Underwriter to join our elite operations team. If you're a critical thinker with a deep understanding of agency guidelines and a passion for precision, we want to hear from you.
Position Overview
As a Mortgage Underwriter, you will be responsible for thoroughly evaluating residential mortgage loan applications to ensure compliance with company, investor, and regulatory standards. This includes assessing creditworthiness, income stability, asset sufficiency, and collateral value. You'll work closely with processors, and leadership to deliver timely and accurate underwriting decisions across FHA, VA, USDA, and Conventional programs.
This is a vital, deadline-driven role that demands strong attention to detail, excellent communication skills, and deep underwriting expertise.
Key Responsibilities
  • Analyze and underwrite loan files including credit, income, assets, appraisals, title, and supporting documentation.
  • Issue clear, concise approval, suspension, or denial decisions within delegated authority.
  • Underwrite loans to current FHA, VA, USDA, and Conventional guidelines.
  • Perform manual underwrites for loans that do not receive AUS Approve/Eligible findings.
  • Interpret and evaluate complex self-employed income documentation (K-1s, Schedule C, 1120s, 1065s).
  • Review large deposits, verify funds for closing, and ensure adequate reserves.
  • Communicate conditions and rationale for decisions to internal stakeholders clearly and professionally.
  • Ensure all underwritten files meet agency, investor, and federal compliance requirements.
  • Stay informed on changes to underwriting policies, loan products, and regulatory updates.
  • Partner with processing and sales teams to promote a collaborative and efficient pipeline.

Required Qualifications
  • Minimum 3+ years of current mortgage underwriting experience.
  • Active DE (FHA) or SAR (VA) designation- Having both is strongly preferred.
  • Experience underwriting DPA (Down Payment Assistance) programs.
  • Proficiency with Encompass Loan Origination System.
  • Experience analyzing complex borrower profiles, including self-employed borrowers and layered risk.
  • Strong working knowledge of AUS platforms (DU and LP) and ability to assess manual files when necessary.
  • Deep understanding of current investor, agency, and compliance guidelines.
  • Exceptional analytical skills, attention to detail, and time management.
  • Ability to work independently in a fast-paced remote environment.
  • Excellent written and verbal communication skills.

What We Offer
  • Competitive Salary (please include requirements with your application)
  • Medical, Dental, and Vision Insurance available day 1
  • Company-Paid Life and Long-Term Disability Insurance
  • 401(k) Retirement Plan with Company Match
  • Paid Time Off (PTO) + Paid Holidays
  • Career growth opportunities and continuing education support
  • Supportive, collaborative remote team culture

Must-Have Criteria
  • No more than a 16-month gap in mortgage underwriting experience- if gap applies must have stayed up to date on market trends and newest guidelines.
  • Must have current or recent loan-level underwriting authority (not a trainee or shadowing role).
  • Encompass and AUS experience is required.
  • Please include salary expectations with resume or cover letter to be.

Ready to Apply?
If you're a detail-oriented, deadline-driven DE or SAR Underwriter looking to join a dynamic and respected mortgage company-apply now! Submit your resume with salary requirements included.

Apply