Remote - Mortgage Underwriter

TEKsystems•Haltom City, TX

2d•$22 - $40•Hybrid

About The Position

The Mortgage Underwriter is responsible for evaluating and underwriting residential mortgage loan applications in accordance with company guidelines, investor requirements, and federal and state regulations. This role analyzes borrower income, assets, credit, and collateral to assess risk and make sound lending decisions while ensuring compliance and loan quality.

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.