Remote Fraud Underwriter Jobs in Oregon (NOW HIRING)

The Team: 

The HELOC Underwriting team is responsible for evaluating loan applications and making sound, policy-aligned credit decisions. This team ensures consistent application of underwriting guidelines across approvals and declines,  and identifies potential fraud risks. The team partners with Processing, Closing, and Quality to ensure accurate and efficient loan decisioning and funding.
As a Home Lending Underwriter, you'll partner closely with our Licensed Loan Advisors to ensure loan decisions are accurate and timely. It is your responsibility to ensure that we are originating quality, sellable loans that adhere to our underwriting policy and procedures. You will also need a keen eye for process improvement and workflow optimization.

How you'll make an impact

• Approval & decline accuracy: Ensure all approval and decline decisions are well-supported, clearly documented, and consistent with credit policy and regulatory expectations.
• Fraud risk identification: Review applications for potential fraud indicators (income misrepresentation, occupancy concerns, document inconsistencies, identity risk) and take appropriate action in alignment with fraud protocols.
• Documentation & compliance: Maintain complete, audit-ready loan files with clear rationale, supporting documentation, and decision notes.
• Operational consistency: Apply underwriting guidelines consistently and contribute to maintaining quality and reducing defects across the underwriting process.

Minimum Qualifications 

• 2+ years of combined experience in mortgage and/or HELOC processing and/or underwriting operations or equivalent experience in credit decisioning and analysis
• 6 months of residential mortgage underwriting experience with independent decisioning authority
• Demonstrated experience/success in an environment in which you are held accountable for productivity output as well as quality metrics aligned to that output
• Demonstrated experience conducting quality assurance or second-level reviews on loan files
• Experience reviewing loan files for fraud risk and escalating concerns appropriately
• Experience working within an LOS and reviewing full loan documentation packages
• Strong documentation skills supporting credit decisions for QA/audit review
• Strong analytical skills with meticulous attention to detail

Preferred Qualifications

• Experience with HELOC-specific underwriting guidelines and second lien products
• Familiarity with Vesta Loan Origination System
• Familiarity with fraud detection tools, red flag identification, and investigation workflows
• Proficiency with Excel/Sheets for income calculation and loan analysis
• Familiarity with compliance and regulatory requirements related to mortgage underwriting

Position location This role is available in the following locations: Remote

Time zone requirements The team operates on the East / West coast time zones. 

Travel requirements As a digital first company, the majority of your work can be accomplished remotely. The majority of our employees can live and work anywhere in the U.S but are encouraged to to still spend high quality time in-person collaborating via regular onsites. The in-person sessions' cadence varies depending on the team and role.

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