Remote Mortgage Underwriter (Nationwide)

TEKsystems•Charlotte, NC

3d•Remote

About The Position

This is a Contract to Hire position. Applicants must have UW experience. Experience in Equity Underwriting would be beneficial as well, but this can be trained if they have UW experience. The role involves extensive Mortgage Underwriting or Loan Processing experience. The primary responsibility is to analyze loans to make a valid recommendation. This includes true underwriting experience, calculating income and/or VA SAR ability, and the ability to perform a manual underwrite. The team manages a daily caseload of 300-400 loans flagged by the system for potential denial (e.g., credit, income liabilities). The role requires identifying loans with the potential to clear and passing them to a higher-level UW. Responsibilities also include reviewing collected documentation against company, NCUA, USPAP, and other relevant industry loan acceptance guidelines, reviewing real estate contracts (e.g., age restrictions, HOAs), and collaborating closely with loan originators and processors to ensure all appropriate data is obtained. Additionally, the role involves collaborating with Mortgage leadership and participating in mentoring sessions for Mortgage Processors, Mortgage Closers, and Mortgage Loan Officers, and maintaining current knowledge of all company mortgage products and guideline changes.

Requirements

At least 1 year of Mortgage Underwriting experience.
Knowledgeable of the Mortgage Industry.
Familiar with agency guidelines i.e. Fannie, Freddie, VA.
Ability to quickly adjust.
Quick decision making.
Comfortable with conditions, especially DU conditions.
Familiar with/ability to calculate income.
Experience reviewing CBR's.
Experience in a production-based environment.
Conventional, FHA, VA, desktop underwriter/processing experience.

Nice To Haves

Experience in Equity Underwriting.

Responsibilities

Analyze loans to make a valid recommendation.
Perform true underwriting, calculating income and/or VA SAR ability.
Perform manual underwrites.
Manage a daily caseload of 300-400 flagged loans, identifying those with potential to clear and passing them to higher-level UWs.
Review collected documentation against company, NCUA, USPAP, and other relevant industry loan acceptance guidelines.
Review contracts related to real estate, such as age restrictions, HOAs, etc.
Work closely and collaborate with loan originator and processor to ensure all appropriate data is obtained.
Collaborate with Mortgage leadership and participate in mentoring sessions for Mortgage Processors, Mortgage Closers, and Mortgage Loan Officers.
Maintain current knowledge of all company mortgage products and any changes to guidelines by company, investor, or government agencies that impact the processing of mortgage loan products.