Remote Jobs in Carmichael, CA (NOW HIRING)

No time off during training period.

• Title: Real Estate Lending – Specialist / Mortgage Underwriter
• Start Date: 9/14 & 10/26
• Shift (Time): 8:00am – 4:30pm (In your respective time zone)
• Overtime: Overtime will be available when there is a business need
• The expectation is that this is an open-ended contract and not necessarily a contract-perm situation.
• Please note that hybrid requirement does not apply to candidates that are not within a 60-mile commutable distance to a training facility ( Facilities are located in: Vienna, VA | Winchester, VA | Pensacola, FL and Coppell, TX)

Job Description:

• Per the Business Unit: Applicants must have UW experience. Experience in Equity Underwriting would be beneficial as well, but this can be trained if they have UW experience.

Position Summary

The client seeking a detail-oriented and analytical Equity Underwriter to evaluate and underwrite home equity loan and line of credit applications while ensuring compliance with established lending policies, regulatory requirements, and risk management standards. The Equity Underwriter is responsible for making sound credit decisions, assessing borrower risk, reviewing financial documentation, and delivering exceptional service to members throughout the

lending process. The ideal candidate possesses strong underwriting expertise, critical thinking skills, and a commitment to supporting the company's mission of serving members through responsible lending practices.

Key Responsibilities

• Review, analyze, and underwrite home equity loan (HEL) and home equity line of credit (HELOC) applications in accordance with company's lending guidelines and regulatory requirements.
• Evaluate borrower creditworthiness through analysis of credit reports, income documentation, employment verification, assets, liabilities, and property information.
• Assess loan-to-value (LTV), combined loan-to-value (CLTV), debt-to-income (DTI), and other key risk metrics.
• Make independent lending decisions within delegated authority and recommend exceptions when appropriate.
• Ensure compliance with federal and state lending regulations, including Fair Lending, RESPA, TILA, ECOA, and HMDA requirements.
• Review appraisals, title reports, and supporting collateral documentation to determine property eligibility.
• Communicate underwriting decisions, conditions, and requirements clearly to loan processors, loan officers, and other stakeholders.
• Identify and mitigate potential credit, operational, and fraud risks.
• Maintain quality, productivity, and service-level standards while managing a high-volume pipeline.
• Participate in audits, quality assurance reviews, and compliance examinations as required.
• Collaborate with cross-functional teams to improve processes and enhance member experience.
• Stay informed of industry trends, regulatory changes, and best practices in mortgage and home equity lending.

Required Qualifications

• Bachelor's degree in Finance, Business Administration, Economics, or a related field, or equivalent combination of education and experience.
• 1+ years of residential mortgage underwriting or home equity underwriting experience.
• Strong knowledge of consumer lending principles and credit risk assessment.
• Experience analyzing tax returns, W-2s, pay stubs, bank statements, and self-employed borrower documentation.
• Working knowledge of AUS systems and mortgage underwriting guidelines.
• Understanding of Fannie Mae, Freddie Mac, FHA, VA, and portfolio lending concepts.
• Knowledge of federal and state lending regulations.
• Strong analytical, problem-solving, and decision-making skills.
• Excellent verbal and written communication skills.
• Ability to manage multiple priorities in a fast-paced environment.
• Proficiency with loan origination systems and Microsoft Office applications.

Preferred Qualifications

• 1+ years of home equity or mortgage underwriting experience.
• Experience underwriting HELOC and HEL products within a financial institution or credit union environment.
• DE, SAR, VA LAPP, or other relevant underwriting certifications.
• Familiarity with automated valuation models (AVMs) and collateral risk assessment.
• Experience working in a highly regulated financial services environment.

Core Competencies

• Credit Analysis
• Risk Assessment
• Attention to Detail
• Regulatory Compliance
• Member Focus
• Collaboration
• Decision Quality
• Problem Solving
• Accountability
• Communication Excellence

Success Measures

The successful Equity Underwriter will:

• Consistently make accurate and sound credit decisions.
• Maintain productivity and quality standards.
• Demonstrate strong risk management practices.
• Deliver an exceptional member experience.
• Support organizational goals through efficient and compliant underwriting activities.

Client is an Equal Opportunity Employer committed to fostering an inclusive workplace where all employees can thrive and support the financial success of our members.

Work environment:

Hybrid or Remote depending on location

Pay range listed is based on location and years of experience

#eastpriority26

#priorityeast

This is a Contract position based out of Sacramento, CA.

The pay range for this position is $22.02 - $39.93/hr.

Individual compensation offered for this position within this range will depend on many factors, including qualifications, skills, relevant experience, job knowledge, geographic location, internal equity, and other pertinent job-related factors.

Eligibility requirements apply to some benefits and may depend on your job classification and length of employment. Benefits are subject to change and may be subject to specific elections, plan, or program terms. If eligible, the benefits available for this temporary role may include the following: • Medical, dental & vision • Critical Illness, Accident, and Hospital • 401(k) Retirement Plan – Pre-tax and Roth post-tax contributions available • Life Insurance (Voluntary Life & AD&D for the employee and dependents) • Short and long-term disability • Health Spending Account (HSA) • Transportation benefits • Employee Assistance Program • Time Off/Leave (PTO, Vacation or Sick Leave)

This is a hybrid position in Sacramento,CA.

This position is anticipated to close on Sep 2, 2026.

We're partners in transformation. We help clients activate ideas and solutions to take advantage of a new world of opportunity. We are a team of 80,000 strong, working with over 6,000 clients, including 80% of the Fortune 500, across North America, Europe and Asia. As an industry leader in Full-Stack Technology Services, Talent Services, and real-world application, we work with progressive leaders to drive change. That's the power of true partnership. TEKsystems is an Allegis Group company.

The company is an equal opportunity employer and will consider all applications without regards to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law.

We’re a leading provider of business and technology services. We accelerate business transformation for our customers. Our expertise in strategy, design, execution and operations unlocks business value through a range of solutions. We’re a team of 80,000 strong, working with over 6,000 customers, including 80% of the Fortune 500 across North America, Europe and Asia, who partner with us for our scale, full-stack capabilities and speed. We’re strategic thinkers, hands-on collaborators, helping customers capitalize on change and master the momentum of technology. We’re building tomorrow by delivering business outcomes and making positive impacts in our global communities. TEKsystems and TEKsystems Global Services are Allegis Group companies. Learn more at TEKsystems.com.

The company is an equal opportunity employer and will consider all applications without regard to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law.

San Francisco Fair Chance Ordinance: Pursuant to the San Francisco Fair Chance Ordinance, for all positions located in the city and county of San Francisco, we will consider for employment qualified applicants with arrest and conviction records.

Massachusetts Lie Detector: It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.

Use of Artificial Intelligence (AI): We may use Artificial Intelligence (AI) to support parts of our hiring process, including sourcing, screening, and evaluating candidates. AI helps assess applications and qualifications, but final decisions are made by our hiring team. By applying, you acknowledge and agree that your application may be reviewed using AI tools.