Mortgage Underwriter – DE/SAR

This is a fully remote position, open to applicants in United States.

📋 Description

• Evaluate and underwrite loan applications, including credit assessments, income verification, asset documentation, appraisals, title checks, and related paperwork.

• Provide clear and concise approval, suspension, or denial decisions within the scope of delegated authority.

• Underwrite loans in accordance with current FHA, VA, USDA, and Conventional guidelines.

• Conduct manual underwriting for loans that do not receive AUS Approve/Eligible findings.

• Analyze and interpret complex income documentation for self-employed individuals (K-1s, Schedule C, 1120s, 1065s).

• Review substantial deposits, confirm funds for closing, and verify adequate reserves.

• Communicate conditions and the rationale behind decisions clearly and professionally to internal stakeholders.

• Ensure all underwritten loans comply with agency, investor, and federal regulations.

• Stay updated on changes in underwriting policies, loan products, and regulatory developments.

• Collaborate with processing and sales teams to foster an efficient and cooperative pipeline.

⛳️ Requirements

• A minimum of 3+ years of recent mortgage underwriting experience.

• Active DE (FHA) or SAR (VA) designation; possessing both is highly preferred.

• Experience with underwriting Down Payment Assistance (DPA) programs.

• Proficient in using the Encompass Loan Origination System.

• Experience analyzing complex borrower profiles, particularly for self-employed individuals and those with layered risk.

• Strong familiarity with AUS platforms (DU and LP) and the ability to assess manual files when required.

• In-depth knowledge of current investor, agency, and compliance standards.

• Exceptional analytical abilities, meticulous attention to detail, and effective time management skills.

• Capability to work independently in a fast-paced remote setting.

• Excellent written and verbal communication skills.

🏝️ Benefits

• Medical, Dental, and Vision Insurance available from day one.

• Company-Paid Life and Long-Term Disability Insurance.

• 401(k) Retirement Plan with Company Match.

• Paid Time Off (PTO) plus Paid Holidays.

• Opportunities for career advancement and support for continuing education.

• A supportive and collaborative remote team culture.