Remote Credit Risk Modeling Jobs in Sebastian, FL

Job Summary
We are seeking a highly skilled and motivated DE/SARS/LLAP Senior Mortgage Underwriter to join our dynamic financial services team. In this pivotal role, you will evaluate complex mortgage loan applications, assess borrower creditworthiness, and ensure compliance with lending policies and regulatory standards. Your expertise in financial analysis, risk assessment, and underwriting processes will help facilitate responsible lending while supporting the organization’s growth objectives. This position offers an exciting opportunity to leverage your deep understanding of financial concepts and analytical skills to make impactful decisions that shape our mortgage portfolio.

Responsibilities

• Conduct thorough underwriting reviews of residential mortgage applications, analyzing borrower financial data, credit reports, property appraisals, and supporting documentation.
• Perform detailed risk analysis by evaluating creditworthiness, debt-to-income ratios, cash flow statements, and other financial metrics to determine loan eligibility.
• Utilize advanced financial modeling techniques to project borrower repayment capacity and assess potential risks associated with each loan.
• Collaborate with loan officers, processors, and other stakeholders to gather necessary data and ensure accurate loan processing.
• Apply comprehensive knowledge of mortgage servicing procedures, loan origination processes, and technical accounting standards to maintain compliance with industry regulations.
• Identify potential fraud indicators through fraud prevention and detection techniques while maintaining strict adherence to security protocols.
• Prepare detailed financial reports and summaries to support decision-making processes and communicate findings clearly to senior management.

Skills

• Strong negotiation skills combined with excellent financial acumen for assessing loan terms and borrower profiles.
• Proficiency in financial software tools used for data collection, analysis, and reporting within the mortgage industry.
• Expertise in underwriting principles, credit analysis, risk management, and quantitative research methodologies.
• Solid understanding of banking operations, financial concepts such as cash flow analysis, forecasting, and technical accounting standards.
• Ability to perform comprehensive financial analysis including tax review, portfolio management insights, and quantitative analysis techniques.
• Knowledge of mortgage servicing practices along with experience in loan processing and origination workflows.
• Exceptional math skills necessary for complex calculations related to financial modeling and risk assessment. Join us if you’re ready to bring your analytical prowess and passion for responsible lending into a role that challenges you every day! We value proactive problem solvers who thrive in fast-paced environments and are eager to contribute their expertise toward building a secure and thriving mortgage portfolio.
• DE/SARS/LLAP Preferred

Benefits:

• Paid time off

License/Certification:

• DE (Preferred)
• SARS/LLAP (Preferred)

Work Location: In person

At Obsidian Mortgage, we are redefining the mortgage experience through professionalism, speed, and innovation. As a fully delegated lender licensed in 36 states, we empower our Loan Officers with the tools, support, and flexibility needed to succeed in today’s competitive market.

We provide a remote-first environment, cutting-edge technology, and a strong internal support system so you can focus on what matters most—closing deals and building relationships.