Remote Mortgage Underwriter I

The Opportunity

The Underwriter I is responsible for evaluating and analyzing loan documents to ensure compliance with company policies, investor guidelines, and regulatory requirements. This role focuses on reviewing lower-complexity documents while building expertise in credit analysis, risk assessment, and underwriting best practices. You will play an essential role in maintaining loan quality, supporting team workflows, and ensuring a seamless customer experience.

What You'll Do

• Review and evaluate loan documents to determine borrower eligibility and identify potential fraud
• Identify when a file deviates from standard requirements and escalate when needed
• Complete underwriting tasks according to program requirements, internal guidelines, and legal/regulatory standards
• Ensure loans follow investor and company policies, SOPs, and compliance rules
• Maintain acceptable turnaround times and service-level expectations
• Review corporate documentation for entity borrowers
• Research property taxes to determine appropriate escrows
• Review title commitments to ensure alignment with company and investor guidelines
• Confirm all lending conditions are met prior to closing
• Assist underwriters by responding to urgent or time-sensitive emails to manage workflow volume
• Run QC tools (FraudGuard, LexisNexis, etc.) and update system records accurately
• Provide excellent customer service throughout the underwriting process
• Collaborate cross-functionally to support efficient workflows and process improvements
• Completing other responsibilities and duties as assigned based on business needs
• Authorized Remote Locations: AL, AR, AZ, FL, GA, IL, IN, KS, KY, LA, NC, SC, TX, UT
• Work Schedule: Monday - Friday: 8:30 am - 5:30 pm CST
• Salary Range: $29.80 - $40.04/hr (Non-Exempt/Hourly/Overtime Eligible)

What We Are Looking For:

• 2+ years of experience in the mortgage industry with strong knowledge of Non-QM documentation
• Solid manual underwriting skills
• Tech-savvy, with the ability to learn and navigate multiple systems
• Strong documentation review skills with the ability to spot discrepancies and ensure compliance
• Proven ability to manage time-sensitive tasks and meet deadlines
• Completion of all required training by designated timelines
• Reliable, team-oriented, and proactive in a fast-paced environment
• Proficiency in Microsoft Word and Excel
• High School Diploma or GED required
• Internal Applicants: Must meet minimum qualifications and have no recent disciplinary actions

What We Prefer to Find:

• Someone with experience with Non-QM Loans
• Someone with experience with underwriting DSCR loans
• Someone with an Associate and/or bachelor's degree in business or a related industry area major
• Someone with experience with Calyx Point and SalesForce