Mortgage Underwriter (Permanent WFH Set Up) Mortgage Underwriter (Permanent WFH Set Up)

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Job Title: Remote Mortgage Underwriter

Location: Remote

Job Type: Full-Time

Experience Required: Minimum 2-3 years of mortgage underwriting experience in the United States

Job Summary:

We are looking for a highly skilled and detail-oriented Remote Mortgage Underwriter to assess and analyze loan applications. The ideal candidate has a strong understanding of mortgage guidelines and regulations, ensuring compliance while making sound lending decisions. This role requires at least 2-3 years of experience in mortgage underwriting within the U.S. and the ability to work efficiently in a remote environment.

Key Responsibilities:

? Review and analyze residential loan applications to verify borrower information for accuracy and completeness.
? Assess creditworthiness and risk by evaluating credit reports, income documents, employment history, and financial data.
? Ensure compliance with Fannie Mae, Freddie Mac, FHA, VA, and NON-QM lending guidelines.
? Make underwriting decisions and provide clear explanations for approvals, conditions, and denials.
? Collaborate with loan officers and processors to streamline the loan approval process and resolve issues.
? Maintain organized records of underwriting decisions and ensure timely completion of tasks.
? Stay updated with mortgage industry trends, regulations, and best practices.
? Participate in ongoing training to enhance underwriting skills and knowledge.
? Deliver exceptional customer service by effectively communicating with borrowers and stakeholders.

Qualifications:

???? Minimum 2-3 years of mortgage underwriting experience in the U.S.
???? Strong knowledge of mortgage lending guidelines (Fannie Mae, Freddie Mac, FHA, VA, NON-QM).
???? Proficiency in mortgage underwriting software and relevant tools.
???? Excellent analytical and problem-solving skills with a high level of accuracy.
???? Strong verbal and written communication skills.
???? Ability to work independently and manage multiple tasks efficiently in a remote setting.
???? Strong organizational skills to meet deadlines in a fast-paced environment.
???? High level of integrity and professionalism when handling sensitive financial data.
???? Bachelor’s degree in Finance, Business, or a related field (preferred but not required).

Benefits:

? Competitive salary and performance-based incentives.
? Paid time off and holidays after regularization.
? Opportunities for professional growth and career advancement.
? Paid training to enhance underwriting skills.
? Work-from-home setup with flexible scheduling.

Additional Information:
? Candidates who pass the initial interview may be required to complete a test session to evaluate underwriting skills and accuracy.