Remote Credit Jobs in Michigan (NOW HIRING)

Job Location: Remote
Position Type: Full Time
Schedule: Monday–Friday, 8:30 AM–5:00 PM

Member First Mortgage is seeking an experienced and detail-oriented Underwriter to join our growing team. In this role, you will be responsible for reviewing residential mortgage loan applications and making sound underwriting decisions in accordance with investor, company, and regulatory guidelines.

The ideal candidate will have a minimum of five years of underwriting experience and must have actively worked as a mortgage underwriter within the past two years. This position requires strong analytical skills, sound judgment, consistency in decision-making, and a commitment to delivering exceptional service to our credit union partners and members. The successful candidate is a collaborative team player who thrives in a fast-paced environment while maintaining a high level of accuracy and attention to detail.

Founded on the credit union philosophy of “People Helping People,” Member First Mortgage provides full-service mortgage solutions to over 200 credit unions nationwide. Our commitment to honesty, integrity, and exceptional service creates a supportive, collaborative, and rewarding workplace.

• Generous and competitive healthcare packages
• Employer-paid short-term and long-term disability
• Employer-paid life insurance
• 100% employer-paid vision coverage
• 401(k) plan with company match
• 20 days PTO with no waiting period
• Fun, laid-back, and collaborative team environment

• Analyze mortgage loan applications to determine borrower eligibility and creditworthiness
• Review income, assets, credit history, and liabilities to ensure compliance with underwriting guidelines
• Investigate derogatory credit and evaluate compensating factors when appropriate
• Assess a borrower's ability to meet financial obligations and satisfy loan requirements

• Review appraisals and supporting documentation to ensure property values are adequately supported
• Analyze comparable sales and identify potential collateral risks
• Establish conditions for repairs, inspections, or additional documentation when necessary
• Evaluate collateral quality and overall loan risk

• Approve, suspend, or deny mortgage loan applications based on investor and company guidelines
• Clearly document underwriting decisions and loan conditions
• Request additional documentation or clarification when needed
• Ensure all loan decisions are consistent, accurate, and well-supported

• Complete underwriting activities in accordance with FHA, VA, Conventional, and applicable investor requirements
• Maintain current knowledge of underwriting policies, regulatory requirements, and program updates
• Assist with investor reviews, quality control audits, and post-closing inquiries
• Verify all documentation is complete and lending conditions are satisfied prior to closing

• Communicate effectively with processors, closers, management, and other departments regarding loan conditions and file status
• Provide guidance on complex loan scenarios and underwriting questions
• Maintain strong working relationships with internal teams and credit union partners
• Participate in process improvement initiatives and other projects as assigned

• Bachelor's degree preferred, or equivalent industry certifications and experience
• Minimum of 5 years of mortgage underwriting experience required
• Must have actively worked as a Mortgage Underwriter within the past 2 years
• Experience underwriting FHA, VA, and Conventional loans required
• Experience with RD, Condo, Jumbo, or Construction loans preferred

• Comprehensive understanding of FHA, VA, and Conventional underwriting guidelines
• Working knowledge of financial statements, tax returns, credit reports, and appraisals
• Strong analytical and decision-making skills
• Excellent attention to detail and commitment to accuracy
• Consistent and sound underwriting judgment
• Strong organizational and time management skills
• Ability to prioritize workload and meet deadlines in a fast-paced environment
• Excellent verbal and written communication skills
• Team-oriented mindset with the ability to work independently
• Proficiency in Microsoft Excel, Outlook, and other business applications

While performing the duties of this job, the employee is regularly required to sit, stand, and walk. The employee must occasionally lift and/or move up to 20 pounds. The employee is frequently required to spend extended periods in front of a computer screen, use hands and fingers, and speak and listen carefully on the telephone.

This position is performed in a remote office setting.

If you are looking for a company that is dedicated to your success and is ethically motivated to provide exceptional member service, we encourage you to apply!