Remote Mortgage Loan Analyst
Description
Remote Mortgage Loan Analyst
Annual Salary: $72,853 | Full-Time | Remote | Join a Data-Driven, Tech-Forward Lending Team
🌍 Overview
We're redefining the mortgage experience with data-powered intelligence and streamlined digital workflows. As a Remote Mortgage Loan Analyst, you’ll be pivotal in optimizing borrower outcomes through precision underwriting, analytics-driven decision-making, and cross-functional collaboration—all from the comfort of your home office.
In this role, you'll assess mortgage loan applications, interpret complex financial data, and ensure regulatory compliance using cutting-edge tools and platforms. If you're detail-oriented, tech-savvy, and passionate about helping individuals achieve homeownership, we want you on our team.
📊 What You’ll Do
Core Responsibilities
- To determine eligibility, analyze loan applications and borrower financials, including income, credit, assets, and collateral.
- Assess risk profiles using automated underwriting systems (AUS) such as DU (Desktop Underwriter) and LP (Loan Prospector).
- Validate loan documentation to ensure accuracy, completeness, and regulatory compliance with agency and investor guidelines.
- Collaborate with loan officers, processors, and closing teams to identify discrepancies and recommend data-driven resolutions.
- Monitor pipeline performance, manage SLAs, and maintain productivity metrics using cloud-based reporting dashboards.
- Provide analysis and summary reports to internal teams and stakeholders, highlighting credit trends and potential risk exposures.
- Stay informed on federal and state mortgage lending regulations, ensuring compliance with FHA, VA, USDA, and conventional lending standards.
🛠 Tools & Technologies We Use
Our modern lending platform blends automation, analytics, and agile workflows for smarter decision-making. Here’s a snapshot of the tools you’ll be interacting with daily:
| Category | Tech Stack |
|---|---|
| Underwriting Systems | DU, LP, Encompass LOS, Blend |
| Data Analysis | Tableau, Excel (Advanced Functions, Macros) |
| Collaboration | Microsoft Teams, Slack, Notion |
| Compliance & Docs | Mavent, DocMagic, Adobe Sign |
Experience with these platforms will fast-track your success—but if you’re a fast learner with adjacent expertise, we’ll get you up to speed.
📈 Why This Role Matters
We fund over $500 million in residential mortgages annually. Your contributions will impact hundreds of families monthly, guiding them toward financial stability and homeownership. By leveraging automated underwriting, AI-powered fraud detection, and real-time compliance validation, our analysts help reduce loan fallout and improve customer satisfaction ratings, currently at 96.8%.
💼 What You Bring
You’re not just crunching numbers—you’re connecting the dots that shape smarter lending. Here’s what we’re looking for in a top-tier candidate:
- 3+ years of mortgage loan underwriting or analysis experience
- Strong knowledge of FNMA, FHLMC, FHA, VA, and USDA lending guidelines
- Proficiency with Encompass LOS, AUS systems (DU/LP), and e-disclosure platforms
- Solid grasp of income calculation methods for W-2, self-employed, and retirement-based borrowers
- Familiarity with remote analytics workflows and cloud-based document management
- Meticulous focus on accuracy paired with a strong problem-solving orientation
- Ability to thrive in a remote-first environment with minimal supervision
Certifications such as DE (Direct Endorsement) or SAR (Staff Appraisal Reviewer) are a plus, but not mandatory.
🏡 Work Environment & Culture
We’re a fully remote team, built on trust, transparency, and asynchronous collaboration. Here’s what you can expect:
- 🌐 Flexible schedule: Optimize your work hours for focus and balance
- 💻 Cloud-first infrastructure: Secure, real-time access to loan files and tools
- 🗓️ Outcome-based work: Measured by performance, not hours logged
- 🤝 Inclusive team culture: We celebrate different perspectives and shared goals
You’ll have access to regular training sessions, peer mentorship, and performance reviews that support your growth. Our team values curiosity and continuous improvement over rigid workflows.
✨ Career Growth & Future Pathways
Our analysts don’t just stay in their lane. As you grow, you’ll have opportunities to:
- Move into credit risk strategy or compliance roles
- Join specialized teams for FHA, VA, or non-QM lending
- Participate in cross-functional innovation squads exploring AI and blockchain in mortgage tech
- Transition into leadership positions with performance-based advancement tracks
Over 40% of our analysts received promotions or lateral growth opportunities within their first 18 months.
🎯 What Sets Us Apart
We’re more than just a digital mortgage company—a data-first fintech built to solve modern lending challenges. Here’s what defines us:
- 📊 95% paperless processing powered by OCR and e-Closing tech
- 🤖 AI-integrated fraud analysis detecting anomalies in real-time
- 💡 Monthly innovation sprints for process optimization and idea pitching
- 🏆 Award-winning culture with 4.9/5 Glassdoor employee satisfaction
Every voice is heard, every insight matters. Your input won’t disappear in a shared inbox—it helps define the future of lending.
✅ Compensation & Benefits
- Annual Salary: $72,853 (competitive and transparent)
- Performance bonuses based on pipeline quality and accuracy
- 100% remote setup stipend and tech support
- Comprehensive medical, dental, vision, and 401(k)
- Generous PTO, sick leave, and mental wellness days
💡 Ready to Analyze the Future of Lending?
This is your moment if you're passionate about precision, driven by data, and excited by technology. Join a team where your expertise fuels real-life milestones—and your next career move is just a click away.
👉 Apply now to help shape the next generation of mortgage lending—remotely, intelligently, and impactfully.
