Remote Mortgage Underwriter
About The Position
The Mortgage Underwriter evaluates and underwrites residential mortgage loan applications according to company guidelines, investor requirements, and federal and state regulations. The role analyzes borrower income, assets, credit, and collateral to assess risk, make sound lending decisions, and ensure compliance and loan quality. This is a contract position based in North Richland Hills, Texas, with a hybrid workplace arrangement. The pay range is $24.00–$41.90 per hour. Individual compensation depends on factors including qualifications, skills, relevant experience, job knowledge, geographic location, internal equity, and other job-related factors. Eligibility requirements apply to some benefits, and availability may depend on job classification and length of employment. Benefits are subject to change and plan terms.
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 insurance
- Dental insurance
- Vision insurance
- Critical Illness, Accident, and Hospital coverage
- 401(k) retirement plan with pre-tax and Roth post-tax contributions
- Life insurance, including voluntary Life and AD&D coverage for the employee and dependents
- Short- and long-term disability
- Health Spending Account (HSA)
- Transportation benefits
- Employee Assistance Program
- Time off/leave, including PTO, vacation, or sick leave
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What This Job Offers
Education Level
No Education Listed
