Position:ย Mortgage Underwriter
Fully Remote, equipment provided
Compensation: $50,000โ$90,000 base salary
Bonus: Discretionary bonus, approximately 5% annually based on company profitability
Schedule: 9:00 AMโ5:00 PM EST
Benefits: 401(k) match, PTO, health/dental/vision insurance, and other voluntary insurance products
Overview
A mortgage company is hiring a fully remote Mortgage Underwriterย Tech and AI savvyย to support increased loan volume. This role is ideal for a conventional mortgage underwriter who can independently evaluate loan risk, complete income calculations, validate assets, review collateral, and communicate loan decisions clearly with processors and originators.
The team is looking for someone who is comfortable with technology, AI tools, and modern underwriting workflows. This person should be able to self-manage their pipeline, maintain strong professional rapport with processors and loan officers, and support scenario desk conversations when underwriting expertise is needed.
Responsibilities
โข Authorize and underwrite mortgage loans
โข Complete income calculation, asset validation, and collateral evaluation
โข Analyze loan attributes and risks
โข Identify potential misrepresentation and determine the soundness and accuracy of applications
โข Ensure compliance with company policies, guidelines, and regulatory standards
โข Document and effectively communicate reasons for loan decisions
โข Provide support to originators and processors regarding questions and clarifications
โข Participate in scenario desk discussions
โข Self-manage underwriting pipeline and prioritize workload
โข Maintain professional communication with processors, originators, and other underwriters
โข Participate in training, projects, and other tasks where underwriting skill is useful
โข Use automated underwriting systems and various loan origination systems
Qualifications
โข 5+ years of conventional mortgage underwriting experience
โข DE and government underwriting experience a plus
โข Ability to independently make sound decisions based on applicant creditworthiness
โข Experience with income calculation, asset validation, and collateral evaluation
โข Familiarity with validation services and products
โข Strong research skills and familiarity with agency guidelines
โข Good working knowledge of the mortgage loan lifecycle and relevant compliance regulations
โข Ability to identify loan risk and potential misrepresentation
โข Strong documentation and communication skills
โข Highly organized and able to prioritize
โข Detail-oriented with strong data analysis skills
โข Ability to self-manage pipeline and maintain professional rapport with processors and loan officers
โข Proficiency in DU/LP
โข Proficiency in Microsoft Office/Teams
โข Experience with various loan origination systems
โข MeridianLink Mortgage experience a plus
โข Comfortable with technology and AI tools
โข Ability to work Eastern Time business hours
NMS Disclaimer
Client requirements and hiring decisions are set by the hiring company. Please ensure your application details align with your resume and reflect your direct experience. Thank you for your interest!