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Remote Underwriter Jobs (NOW HIRING)

Genesis Resources

Senior E&S MGA Underwriter

Kansas City, KS · Remote

$94K - $112K/yr

Growing national MGA is currently looking to hire a Remote Underwriter to handle the Central Corridor of the US - position should be based somewhere in the Central Time Zone. If you are a casualty ...

Craft Recruiting

MCA Underwriter

Lakehurst, NJ · On-site +1

$50K - $80K/yr

... remote environment Skills and Competencies Required: • nalytical mindset for evaluating financial health and default potential • Comfort with fast decisions in a volume-driven setting • ...

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How much do remote underwriter jobs pay per year?

As of Jun 5, 2026, the average yearly pay for remote underwriter in the United States is $78,878.00, according to ZipRecruiter salary data. Most workers in this role earn between $61,000.00 and $87,000.00 per year, depending on experience, location, and employer.

What Does a Remote Underwriter Do?

As a remote underwriter, you work from home to review loan applications with the goal of helping a lender decide whether or not a borrower should be offered financial support through insurance, a mortgage, or other loan options. Underwriting requires a financial institution to assume the financial risk in case of loss, so most institutions focus on minimizing risk when deciding which people to offer this service to. Most remote underwriters specialize in one part of the industry, such as mortgages, business loans, or health insurance. Your duties vary slightly depending on the industry, but you typically review applications for accuracy and adherence to loan provider requirements or government regulations. You may also put a price on known risks and monitor factors affecting your market.

What are the key skills and qualifications needed to thrive as a Remote Underwriter, and why are they important?

To excel as a Remote Underwriter, you need strong analytical abilities, attention to detail, and a solid understanding of risk assessment, typically supported by a background in finance, business, or insurance and relevant certifications such as CPCU or AU. Familiarity with underwriting software, loan origination systems (LOS), and document management platforms is crucial for efficient remote work. Outstanding written communication, time management, and independent decision-making help you stand out in this role. These skills ensure accurate risk evaluations, compliance with regulations, and effective collaboration with clients and colleagues from a remote setting.

How does a remote underwriter collaborate effectively with team members and other departments?

As a remote underwriter, collaboration is primarily achieved through digital communication tools such as email, instant messaging, and video conferencing. You’ll regularly interact with loan officers, processors, and sometimes clients to clarify documentation, discuss risk assessments, and resolve outstanding issues. Staying organized and proactive in your communication is essential to ensure all parties are aligned and deadlines are met. Many organizations also utilize project management or workflow software to track progress and foster teamwork despite the physical distance.

What is the difference between Remote Underwriter vs Remote Loan Processor?

AspectRemote UnderwriterRemote Loan Processor
Required CredentialsMortgage or insurance underwriting certifications, licensesLoan processing certifications, customer service skills
Work EnvironmentHome office, financial institutions, insurance companiesHome office, mortgage or lending companies
Employer & IndustryFinancial services, insurance, mortgage lendersMortgage lenders, banks, credit unions
Common Search & ComparisonYesYes

Remote Underwriters and Remote Loan Processors both work in the mortgage and lending industry, often from home. While Underwriters focus on evaluating risk and approving loans based on financial documents, Loan Processors handle the administrative tasks of preparing loan files. Both roles require industry-specific certifications and are integral to the lending process, but they differ in responsibilities and daily tasks.

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Remote Underwriter jobs near you
Remote Mortgage Underwriter

Remote Mortgage Underwriter

EMM LOANS LLC

Cherry Hill, NJ • Remote

Full-time

Medical, Dental, Vision, Life, Retirement

Posted 14 days ago

Job description

EMM Loans | Full-Time | Remote

EMM Loans is seeking an experienced and detail-oriented Remote Underwriter to join our growing Retail Operations team. We are looking for a strong conventional underwriter with hands-on experience reviewing condo transactions and expertise in agency guidelines.

The ideal candidate will have deep knowledge of Fannie Mae and Freddie Mac underwriting, including condo reviews, along with at least one additional product designation such as FHA, VA, or USDA.

Responsibilities
  • Underwrite residential mortgage loan files in accordance with agency and investor guidelines
  • Review income, assets, credit, collateral, and overall loan eligibility
  • Analyze and underwrite conventional loans, including condo transactions
  • Ensure compliance with Fannie Mae and Freddie Mac requirements
  • Underwrite at least one additional loan product type: FHA, VA, or USDA
  • Communicate loan conditions and decisions clearly with processors, loan officers, and operations staff
  • Maintain productivity and quality standards while meeting turn-time expectations
  • Stay current on agency updates and underwriting guideline changes
Qualifications
  • Minimum 5 years of recent mortgage underwriting experience
  • Strong conventional underwriting experience required
  • Extensive Fannie Mae/Freddie Mac condo underwriting experience required
  • Must possess at least one additional underwriting designation/experience in FHA, VA, or USDA
  • Current DE, SAR, or equivalent certifications are a plus
  • Strong analytical and decision-making skills
  • Ability to work independently in a remote environment
  • Excellent communication and organizational skills
  • Experience with Encompass preferred

Why Join EMM Loans?

At EMM Loans, we combine the energy of a growing organization with the stability and reputation of an established national lender. We believe in innovation, collaboration, and investing in people who want to grow their careers and make an impact.

We Offer:

  • Competitive compensation package
  • Medical, Dental & Vision Insurance
  • Flexible Spending Account (FSA)
  • Company-Paid Life Insurance & Long-Term Disability
  • Additional Buy-Up Insurance Options
  • 401(k) with Employer Match
  • Career growth opportunities
  • Collaborative and entrepreneurial culture
  • Hybrid work environment
  • And more!

All positions are contingent upon successful completion of a background check. EMM Loans participates in E-Verify.

EMM Loans LLC is an Equal Opportunity Employer
NMLS ID: 2926