Remote Mortgage Credit Underwriter

Shape the Future of Lending—From Anywhere

Are you a detail-oriented credit expert looking to make a real impact? Do you thrive in a high-performance environment where your analytical talents directly influence mortgage decisions? This is your chance to be part of something dynamic while working from home. As a Remote Mortgage Credit Underwriter, you'll be responsible for credit reviews, risk assessments, and loan approvals while contributing to a growing and forward-thinking mortgage team.

Candidate Profile

Who We Are Looking For

We’re seeking a driven credit underwriter who brings precision, insight, and unwavering judgment to every loan file. Your decisions will pave the path for homeowners nationwide, and your assessments will directly reflect our commitment to responsible lending. You'll feel right at home here if you're eager to work remotely while engaging in meaningful, high-stakes decision-making.

Key Responsibilities

Daily Functions

• Analyze loan applications with a critical eye toward credit, income, asset documentation, and debt ratios.
• Ensure compliance with agency guidelines (Fannie Mae, Freddie Mac, FHA, VA) and company-specific overlays.
• Assess risk levels by evaluating credit history, employment verification, financial statements, and property appraisals.
• Issue conditional and final approvals, providing detailed stipulations when necessary.

Collaboration & Communication

• Collaborate with processors, loan officers, and compliance staff to resolve exceptions and expedite decision timelines.
• Maintain audit-ready documentation on all underwriting actions.
• Monitor changes in underwriting regulations and incorporate best practices accordingly.
• Act as a key contributor in maintaining loan quality and minimizing buybacks.

Work Environment

Flexible Remote Setup

Enjoy the flexibility and focus from working in a fully remote environment. Say goodbye to long commutes and hello to a workspace that empowers your productivity and supports work-life harmony. You’ll be part of a collaborative virtual team that thrives on communication, shared goals, and trust.

Tools & Technology

Platforms and Systems

• Automated Underwriting Systems (AUS): Desktop Underwriter (DU), Loan Product Advisor (LPA)
• Mortgage CRM and LOS platforms: Encompass, Blend, Calyx, or similar
• Digital verification services for income, employment, and assets
• Secure cloud storage and collaboration platforms (e.g., SharePoint, Teams)

Qualifications

Required Experience and Skills

• Minimum 3 years of recent mortgage underwriting experience in conventional and/or government loan programs
• Strong understanding of current lending guidelines and investor requirements
• Exceptional judgment, with the ability to make time-sensitive, high-impact decisions
• High level of integrity, confidentiality, and professionalism
• Ability to analyze complex financial documents with a keen eye for risk patterns
• Proficiency in working independently in a remote setting, with excellent digital communication skills

Preferred Credentials

• DE/SAR/LAPP certifications are a strong plus, but not required

Benefits & Compensation

What We Offer

• Competitive Salary: $87,000 annually
• Remote Flexibility: 100% work-from-home
• Health & Wellness: Comprehensive medical, dental, and vision plans
• Paid Time Off: Generous vacation days plus holidays
• Retirement Planning: 401(k) with matching contributions
• Growth Opportunities: Career pathing and educational support
• Technology Stipend: Home office setup assistance

Why This Role Stands Out

Purpose and Impact

This isn’t just a job—it’s a mission to elevate the mortgage experience through smarter lending decisions. You’ll be at the helm of mortgage approval processes that empower families and individuals to achieve homeownership dreams. You’ll engage daily with a team that respects your expertise, supports your growth, and celebrates your contributions.

Every loan you underwrite is more than a file—it’s a future. And with you in the role, it’s a future secured through integrity, diligence, and confidence.

Performance Expectations

• You consistently meet or exceed daily and monthly underwriting targets without sacrificing quality.
• You confidently navigate AUS findings and investor guidelines to deliver fast, compliant decisions.
• You proactively communicate with stakeholders, offering solutions instead of obstacles.
• Your files pass post-closing reviews with minimal to no suspense conditions.

Call to Action

Take the Next Step

This is your opportunity to turn your credit underwriting skills into a fulfilling, flexible, and forward-focused career. We want to hear from you if you're passionate about precision, compliance, and creating mortgage solutions that truly matter.

Your next big opportunity awaits—apply now!