Remote Mortgage Underwriter II

Visio Lending

46d•$35 - $48•Remote

About The Position

The Underwriter II is responsible for reviewing and evaluating moderately complex investor loan files, ensuring compliance with company policies, investor guidelines, and regulatory requirements. This role requires strong manual underwriting expertise and the ability to make independent, well-reasoned credit decisions while maintaining service-level expectations and loan quality. You will play an essential role in maintaining loan quality, supporting team workflows, and ensuring a seamless customer experience.

Requirements

3+ years of mortgage underwriting experience, with a strong focus on Non-QM loans
Solid manual underwriting expertise
Comfortable working across multiple systems and technologies
Proven ability to meet deadlines and manage time-sensitive priorities
Strong initiative, reliability, and commitment to team success
Excellent written and verbal communication skills
Completion of all required training within designated timelines
High School Diploma or GED required
Internal Applicants: Must meet minimum qualifications and have no recent disciplinary actions.

Nice To Haves

Someone with experience with Non-QM Loans
Someone with experience with underwriting DSCR loans
Someone with an Associate and/or bachelor's degree in business or a related industry area major
Someone with experience with Calyx Point and SalesForce

Responsibilities

Manage a pipeline of loan files, reviewing documentation to determine borrower eligibility and prevent fraud
Complete underwriting functions in accordance with program requirements, company standards, and regulatory guidelines
Ensure loans meet investor guidelines, SOPs, and compliance standards
Confirm all lending conditions are satisfied prior to closing
Ensure marketability of closed loans
Identify and escalate files that deviate from standard parameters
Evaluate borrower creditworthiness, loan collateral, and repayment capacity
Maintain acceptable turnaround times and SLAs
Review title commitments for compliance with investor and company guidelines
Deliver exceptional customer service to internal and external partners
Collaborate cross-functionally to support efficient workflows and continuous improvement
Perform other duties as assigned based on business needs