Remote Mortgage Loan Underwriting Analyst

Shape the Future of Mortgage Innovation from Anywhere

Are you ready to combine your analytical expertise with cutting-edge underwriting technology? Step into the Remote Mortgage Loan Underwriting Analyst role and become a key player in a forward-thinking team transforming how mortgages are evaluated, processed, and approved. This is more than a job—it's a chance to advance your underwriting career in a tech-empowered, data-centric environment where your insights drive confident lending decisions. With an annual salary of $103,564, this remote role invites you to make your mark while working from the comfort of your chosen workspace.

What You’ll Be Doing

Drive Impactful Underwriting Decisions

• Analyze complex loan files using advanced mortgage underwriting platforms.
• Apply critical judgment on mortgage eligibility, creditworthiness, and documentation accuracy.
• Evaluate income, asset, credit, and collateral data through automated and manual review.
• Assess layered risk using AUS and manual underwriting guidelines for Conventional, FHA, VA, and Jumbo loan products.
• Ensure compliance with investor requirements, internal policies, and federal lending regulations.

Work Within an Agile, Tech-Powered Workflow

• Collaborate across departments using real-time CRM tools and task automation software.
• Leverage digital mortgage dashboards to track underwriting status and performance metrics.
• Use smart integrations to verify borrower assets, income, and employment instantly.
• Provide feedback to help improve AI-assisted underwriting features and algorithms.

Tools, Platforms, and Tech You’ll Use

• Loan Origination Systems (LOS): Encompass, Calyx Point, Blend
• Automated Underwriting Systems (AUS): DU, LP, GUS
• API-based document recognition and income verification tools
• Data visualization tools for trend analysis and quality control
• Cloud-based file sharing and remote communication tools (e.g., Zoom, Microsoft Teams, Slack)

What Makes This Role Unique

Data-Driven Innovation

This is not traditional underwriting. You'll operate in an environment where advanced analytics meet human judgment. Our team continually tracks performance indicators across loan pipelines, default trends, and exception outcomes to refine risk models.

Fully Remote, Fully Engaged

This position is remote-first, but collaboration is central. Weekly huddles, digital whiteboards, and collaborative underwriting audits ensure you stay connected, informed, and involved.

Forward-Looking Lending

We consistently lead through innovation, incorporating predictive analytics and digital identity verification to eliminate bottlenecks and fraud risks and improve speed and accuracy.

What We’re Looking For

Required Qualifications

• 4+ years of residential mortgage underwriting experience
• Expertise in FNMA/FHLMC guidelines and manual underwriting practices
• Strong proficiency with AUS (DU, LP) and Loan Origination Systems
• Understanding of mortgage compliance and regulatory environment
• Solid analytical and documentation review skills

Preferred Skills

• Familiarity with automated income analysis tools (e.g., IncomeXpert)
• Experience with tech-enabled mortgage platforms like Blend or Maxwell
• Ability to navigate API-based workflows and cloud storage systems
• Strong communication skills for remote team interaction

Work Environment and Flexibility

• 100% remote work setup with flexible hours
• Home office equipment support and tech onboarding provided
• Performance tracked by outcomes, not hours
• Supportive culture that embraces innovation, collaboration, and continuous improvement

Career Growth and Development

• Clear promotion pathways within the underwriting and risk analytics departments
• Monthly professional development sessions covering data ethics, mortgage tech, and federal updates
• Opportunities to participate in pilot testing of new underwriting AI and tools
• Mentorship from experienced mortgage leaders passionate about innovation

Your Work, Your Impact

Each loan you underwrite helps real families secure homes faster and more confidently. Your precision and critical thinking contribute to smarter risk decisions, faster funding timelines, and higher borrower satisfaction scores. In 2024 alone, our underwriting team helped reduce turn times by 18% while achieving a 97% investor approval rate.

Ready to Take the Next Step?

If you're passionate about data-informed underwriting, thrive in a remote-first culture, and are energized by financial technology, we want to hear from you. Make an impact in a company that values your judgment, supports your growth, and believes in innovative lending for modern borrowers.

Apply today and take charge of your future as a Remote Mortgage Loan Underwriting Analyst!