Remote Mortgage Underwriter
About The Position
The Mortgage Underwriter evaluates and underwrites residential mortgage loan applications in accordance with company guidelines, investor requirements, and federal and state regulations. The role analyzes borrower income, assets, credit, and collateral to assess risk and make sound lending decisions while ensuring compliance and loan quality. This is a contract position based in Mount Laurel, New Jersey. The posting describes the position as hybrid. The pay range is $24.00–$41.90 per hour; individual compensation depends on factors including qualifications, skills, relevant experience, job knowledge, geographic location, and internal equity. The position is anticipated to close on November 27, 2026.
Requirements
- Experience in mortgage underwriting.
- Strong knowledge of mortgage lending regulations and investor guidelines.
- Ability to analyze complex financial and credit documentation.
- Excellent decision-making, communication, and organizational skills.
- Strong attention to detail and commitment to compliance.
Responsibilities
- Review and underwrite mortgage loan applications, including income, assets, credit, and property documentation.
- Analyze self-employed borrower income and financial records.
- Evaluate loan eligibility based on agency, investor, and internal guidelines.
- Review exception requests and recommend alternative loan solutions when appropriate.
- Approve, suspend, or decline loans and prepare adverse action notices as required.
- Assess property acceptability and collateral adequacy.
- Collaborate with loan originators, processors, and closers to obtain required documentation.
- Stay current on mortgage products, underwriting guidelines, and regulatory changes.
- Conduct secondary reviews of suspended or declined loan files.
- Support training and mentoring efforts within the mortgage operations team.
Benefits
- Medical, dental, and vision coverage, if eligible.
- Critical Illness, Accident, and Hospital coverage, if eligible.
- 401(k) retirement plan, with pre-tax and Roth post-tax contributions available, if eligible.
- Voluntary life and AD&D insurance for employees and dependents, if eligible.
- Short- and long-term disability coverage, if eligible.
- Health Spending Account (HSA), if eligible.
- Transportation benefits, if eligible.
- Employee Assistance Program, if eligible.
- Time off/leave, including PTO, vacation, or sick leave, if eligible.
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What This Job Offers
Education Level
No Education Listed
