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Remote Encompass 360 information

What is the difference between Remote Encompass 360 vs Mortgage Loan Processor?

AspectRemote Encompass 360
Primary RoleLoan origination software platform used for processing mortgage applications
FunctionSupports loan processing, underwriting, and document management
CredentialsRequires knowledge of mortgage industry, loan processing, and Encompass software
Work EnvironmentRemote or office-based, primarily in mortgage or financial institutions

Remote Encompass 360 is a software platform used by mortgage professionals, while a Mortgage Loan Processor is a role that utilizes this software to process loan applications. The processor handles the day-to-day tasks of reviewing documents, verifying information, and preparing files for approval. Both roles require industry knowledge, but the software platform is a technical tool, whereas the processor is a job position within mortgage lending teams.

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Remote Encompass 360 jobs near you
Infographic showing various Remote Encompass 360 job openings in the United States as of May 2026, with employment types broken down into 100% Full Time. Highlights an 100% Remote job distribution.

Senior Mortgage Underwriter - (Remote)

Enterprise Services

Greenwood Village, CO • On-site, Remote

$39.56 - $58.03/hr

Other

Medical, Dental, Vision, Life, Retirement, PTO

Posted 29 days ago

Job description

Location Options:  This position is fully remote within Zions Bancorporation footprint: AZ, CA, CO, ID, NV, NM, OR, TX, UT, WA, or WY.  

We are seeking a highly skilled Senior Mortgage Underwriter with active FHA DE and VA SAR designations to join our team. In this role, you will apply advanced underwriting expertise to evaluate and decision residential loan applications while ensuring adherence to company guidelines and regulatory requirements. This position involves working with partners on complex matters, making strong communication skills, professionalism, and sound judgment essential.

 

Key Responsibilities

 

         Review, analyze, and underwrite residential mortgage applications according to company policies, investor standards, and regulatory requirements.

         Analyze income, assets, credit documentation, employment history, credit reports, debt ratios, and loan-to-value (LTV) metrics to determine borrower creditworthiness.

         Evaluate the collateral/property appraisal when applicable.

         Recommend loan terms or conditions as necessary.

         Review system-generated documentation and ensure completeness and accuracy.

         Gather additional information when needed to support loan decisions.

         Communicate lending decisions and respond to inquiries from affiliate banks, loan centers, and branch personnel.

         Maintain accountability for risk elevation and adherence to underwriting policies and procedures.

         Exercise independent judgment on unusually complex problems.

         Stay abreast of changes to federal and state laws/regulations affecting consumer lending.

         Perform other duties as assigned.

 

Qualifications

 

         5+ years' experience with government mortgage underwriting (FHA and VA).

         5+ years' experience with agency and/or portfolio mortgage underwriting.

         Active FHA DE and VA SAR designations are required.

         Proficiency with mortgage software and related tools, including Encompass 360 (LOS), Desktop Underwriter (DU), and Loan Product Advisor (LPA).

         Extensive knowledge of mortgage credit, underwriting concepts, and loan documentation.

         Proven ability to review and analyze complex income scenarios, assets, credit reports, debt ratios, and LTV calculations.

         Strong understanding of federal and state consumer lending regulations.

         Ability to make sound, consistent credit decisions with a high degree of accuracy.

         Exceptional attention to detail and ability to maintain quality while managing high loan volume.

         Strong written and verbal communication and customer service skills.

         Ability to handle confidential information professionally.

 

Benefits

 

         Salary range: $39.56 - $58.03 per hour depending on experience plus a performance-based incentive plan.

         Medical, Dental and Vision Insurance - START DAY ONE!

         Life and Disability Insurance, Paid Parental Leave and Adoption Assistance.

         Health Savings (HSA), Flexible Spending (FSA) and dependent care accounts.

         Paid Training, Paid Time Off (PTO). (PTO covers both sick and vacation days without distinguishing between them), 11 Paid Federal Holidays, and any applicable state holidays.

         401(k) plan with company match, Profit Sharing, competitive compensation in line with work experience.

         Mental health benefits including coaching and therapy sessions.

         Tuition Reimbursement for qualifying employees enrolled in an accredited degree program related to the needs of the business, maximum of $5,250 per calendar year, employees are eligible for the program upon hire.

         Employee Ambassador preferred banking products.

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