Remote Mortgage Underwriter

TEKsystems•Charlotte, NC

1d•$31 - $31•Remote

About The Position

Seeking experienced Mortgage Underwriters to join our team and support loan processing for broker clients. This role plays a critical part in evaluating loan applications, ensuring compliance, and driving quality underwriting decisions. With multiple openings available, we are looking for strong, dedicated professionals who are eager to contribute long-term. Loan Underwriting: Review and assess files submitted by broker clients, ensuring compliance with FHA, VA, and conventional lending guidelines. Approval Process: Work closely with the loan structure and precision income teams to finalize approvals. Credit Reviews: Perform thorough credit analysis, underwriting 2–3 initial files per day and processing 6–8 final approval files daily (subject to volume). Workflow Coordination: Collaborate within Pennymac’s structured, end-to-end loan process, focusing solely on underwriting scope. Compliance & Risk Assessment: Ensure loans meet investor guidelines (FHA UW, HUD UW, VA UW, VA IRRL, VA SAR, TrumsID Registration) and adhere to quality control standards. Decisions full range of mortgage loans, preferably including FHA loans Review all mortgage applications and documentation for accuracy and completeness Work with clients to prepare mortgage applications and related documentation as needed, help resolve any outstanding issues Work with compliance officers to ensure Federal, State, and local compliance of all mortgage and loan materials Approve or deny mortgages on a timely basis Perform other related duties as required and assigned

Requirements

3+ years of mortgage underwriting experience required
Solid knowledge of mortgage underwriting and of basic automated underwriting systems
Proficiency with basic automated underwriting systems
Knowledge of mortgage laws and regulations required, including Home Mortgage Disclosure Act
Knowledge of state and federal agency mortgage loan guidelines and regulations helpful
(Any loss mitigation or servicing underwriters will be disqualified)
Strong understanding of FHA, VA, and conventional loan underwriting.
Ideal candidate has 3+ years of underwriting experience.
Assessment score requirement: Minimum 15.
Experience with Encompass and proficiency in Excel preferred.
Experience with FHA, HUD, VA, VA IRRL, VA SAR, TrumsID Registration preferred

Responsibilities

Review and assess files submitted by broker clients, ensuring compliance with FHA, VA, and conventional lending guidelines.
Work closely with the loan structure and precision income teams to finalize approvals.
Perform thorough credit analysis, underwriting 2–3 initial files per day and processing 6–8 final approval files daily (subject to volume).
Collaborate within Pennymac’s structured, end-to-end loan process, focusing solely on underwriting scope.
Ensure loans meet investor guidelines (FHA UW, HUD UW, VA UW, VA IRRL, VA SAR, TrumsID Registration) and adhere to quality control standards.
Decisions full range of mortgage loans, preferably including FHA loans
Review all mortgage applications and documentation for accuracy and completeness
Work with clients to prepare mortgage applications and related documentation as needed, help resolve any outstanding issues
Work with compliance officers to ensure Federal, State, and local compliance of all mortgage and loan materials
Approve or deny mortgages on a timely basis
Perform other related duties as required and assigned