Remote USDA Mortgage Underwriter

About the Role

We seek a seasoned Remote USDA Mortgage Underwriter to join our innovative, fast-paced team. This position requires a highly analytical professional with a passion for detail and a drive to deliver accurate, compliant loan decisions. Working from home, you'll be an integral part of a digital-first lending process, leveraging modern underwriting systems and advanced loan origination technologies. The USDA mortgage program is a vital initiative to support rural homeownership, and you will play a pivotal role in expanding that mission.

Key Responsibilities

Loan Evaluation & Decision

• Conduct comprehensive reviews of USDA loan applications to ensure compliance with USDA guidelines and internal credit policies.
• Analyze borrower creditworthiness, income documentation, collateral reports, and property eligibility.
• Utilize AUS (Automated Underwriting Systems) such as GUS (Guaranteed Underwriting System) for recommendations and verification.

Risk Assessment & Compliance

• Identify potential red flags, layered risk factors, and eligibility exceptions.
• Ensure complete documentation and data accuracy across systems
• Stay current with changing regulations, USDA updates, and mortgage lending trends

Collaborative Communication

• Communicate underwriting decisions clearly to processors, loan officers, and operations staff.
• Work closely with remote team members through project management platforms and real-time chat tools.
• Offer support and recommendations to improve loan quality and reduce processing delays.

Innovative Work Environment

A Digital-First Approach

Our team operates remotely, with cloud-based tools allowing seamless access to files, communication channels, and automated underwriting dashboards. Underwriters benefit from streamlined loan workflows, dynamic rule-based alerts, and secure digital vaults for document storage.

Culture of Growth and Agility

• Be part of a forward-thinking culture that values continuous learning, professional growth, and innovation
• Thrive in an agile workspace powered by tools like Slack, Encompass, and Salesforce
• Weekly virtual stand-ups ensure alignment, camaraderie, and continuous improvement

Technologies & Tools

Core Platforms & Systems

• Encompass LOS (Loan Origination System)
• USDA's Guaranteed Underwriting System (GUS)
• Fannie Mae Desktop Underwriter (DU)
• Optical Character Recognition (OCR) for faster document parsing
• Real-time income calculators and eligibility checkers

Analytics & Automation

• Machine-learning-based flagging systems to enhance fraud detection
• API integrations with third-party verification tools for VOE, VOI, and asset reviews
• Compliance bots that pre-screen files against regulatory benchmarks

Qualifications & Experience

Minimum Requirements

• 3+ years of experience in mortgage underwriting, with at least 2 years in USDA loan underwriting
• In-depth knowledge of GUS, income calculation methods, and self-employment analysis
• Strong grasp of federal and USDA-specific mortgage regulations
• Proficient in loan origination and automated underwriting systems
• Excellent problem-solving and judgment capabilities

Preferred Attributes

• DE (Direct Endorsement) or other mortgage certifications
• Experience in remote underwriting or hybrid team environments
• Exposure to AI-powered underwriting tools or SaaS loan platforms
• Talent for navigating evolving demands with an agile approach

Compensation & Benefits

Salary Package

• Annual Salary: $104,395 (Remote)
• Performance incentives and quarterly recognition awards

Benefits Overview

• Comprehensive insurance: Medical, Dental, Vision
• Remote wellness allowances for home office upgrades
• Continuing education support with access to mortgage training platforms
• Flexible work hours and outcome-driven performance reviews

Why Join Us?

Mission-Driven Impact

• Directly contribute to making homeownership more accessible in rural America.
• Be a part of a company where underwriting is not just a task but a mission

Professional Development

• We support career mobility through internal mentorship, advanced analytics training, and leadership tracks.
• Gain exposure to the future of lending through AI, cloud automation, and data visualization.

Work-Life Synergy

• Our remote structure isn’t just flexible—it’s empowering
• Emphasis on work-life harmony, self-paced workflows, and peer-led collaboration

Call to Action

This is your next big opportunity if you're ready to bring your USDA mortgage expertise into a tech-forward, purpose-driven company. Step into a fully remote underwriting role where your decisions shape rural futures and your career accelerates through technology. Apply now and become a key part of redefining home financing.