Remote Conventional Mortgage Underwriter

Join a Role Where Precision Meets Purpose

Are you ready to take charge of your career from the comfort of your home? As a Remote Conventional Mortgage Underwriter, you'll be instrumental in helping individuals and families secure financing for their homes. With a strong commitment to integrity, accuracy, and compliance, this position allows you to make a direct impact—every decision you make contributes to someone’s dream of homeownership.

About the Opportunity

This role is part of a growing and dynamic remote mortgage underwriting team that values quality, accountability, and innovation. You’ll collaborate closely with loan processors, loan officers, and quality assurance professionals to review and approve mortgage applications that align with conventional underwriting guidelines. Whether fine-tuning risk analysis or digging into income documentation, your work matters.

Key Responsibilities and Core Functions

Evaluating Loan Applications

• Analyze mortgage applications under Fannie Mae and Freddie Mac guidelines.
• Evaluate borrower creditworthiness through credit reports, assets, income, and property documentation.

Risk Assessment and Decision Making

• Identify red flags and mitigate risk while ensuring compliance with underwriting standards.
• Render timely decisions on conventional mortgage loans with clear, concise rationale.

Communication and Collaboration

• Communicate underwriting conditions and decisions to internal stakeholders.
• Maintain accuracy and quality in all evaluations while meeting service-level agreements.
• Stay updated on underwriting policies, loan products, and regulatory requirements changes.

Tools and Technology Stack

Loan and Document Systems

• Loan origination systems (Encompass, Blend, or similar)
• Document imaging and verification software

Automated and Compliance Tools

• AUS platforms such as Desktop Underwriter (DU) and Loan Product Advisor (LPA)
• Remote collaboration platforms (Slack, Zoom, Microsoft Teams)
• Compliance and audit reporting tools

Work Environment and Team Culture

Remote Work Flexibility

This fully remote role offers autonomy, flexibility, and the ability to structure your day around productivity.

Team Values and Collaboration

You’ll be part of a digital-first culture emphasizing proactive communication, mutual respect, and continuous learning. You’ll thrive in an environment where your voice is heard and your contributions directly influence client outcomes and team success.

What Makes This Role Unique

Empowerment and Influence

• Empowering Work: You get to assess financial futures and directly support the dream of homeownership.
• Autonomy: Make impactful decisions in a self-managed remote setup.
• Influence: Be a key player in shaping underwriting best practices.
• Innovation: Embrace change with evolving technology tools and industry shifts.

Required Qualifications and Experience

Skills and Background

• A minimum of 3–5 years of experience in conventional mortgage underwriting
• Strong knowledge of agency guidelines and automated underwriting systems
• High attention to detail, analytical thinking, and critical decision-making
• Proficiency in assessing self-employed and complex income sources
• Excellent written documentation and verbal reasoning abilities
• Demonstrated self-motivation and success in an entirely virtual environment while managing priorities
• Strong time management and organizational skills

Benefits and Compensation Package

Financial and Professional Growth

• 💵 Competitive annual salary: $103,546
• 🎓 Ongoing professional development and underwriting certification support
• 📈 Performance incentives and annual bonus eligibility

Lifestyle and Wellness

• 💻 100% remote flexibility—work from anywhere with a stable internet connection
• 🌴 Generous PTO, including vacation, sick leave, and mental health days
• 🏥 Comprehensive healthcare benefits (medical, dental, vision)
• 🧠 Participation in company-sponsored wellness initiatives and confidential support services
• 💼 Career pathing and advancement opportunities within underwriting leadership

Role in Organizational Mission

We’re a mission-driven organization working to expand responsible homeownership. As a Remote Conventional Mortgage Underwriter, you are on the front lines of our underwriting operations. Your expertise ensures borrowers get fair and responsible loan approvals while maintaining risk tolerance. This is your chance to be the gatekeeper of trust and quality in the mortgage ecosystem.

Learning Culture and Career Development

We believe that every professional should be empowered to grow. We offer structured mentoring, regular skill refreshers, and access to underwriter communities. Whether you aim to move into underwriting management, risk auditing, or product specialization, we’ll support your career journey every step.

Make an Impact from Day One

You'll contribute to a high-performance, high-support team from your first day. Our environment is rooted in belonging, openness, and accountability. If you’re passionate about mortgage operations, enjoy working independently, and want to be part of a team that’s shaping the future of remote underwriting, this role is your next big move.

Call to Action

Take Charge of Your Future—Apply Today!

Ready to bring your underwriting expertise to a forward-thinking, digital-first team? Leap into a role that combines purpose, performance, and personal growth. Your next big opportunity awaits—apply now!