Remote Mortgage Underwriter

EMM LOANS LLC•Cherry Hill Township, NJ

5d•Remote

About The Position

EMM Loans is seeking an experienced and detail-oriented Remote Underwriter to join our growing Retail Operations team. We are looking for a strong conventional underwriter with hands-on experience reviewing condo transactions and expertise in agency guidelines. The ideal candidate will have deep knowledge of Fannie Mae and Freddie Mac underwriting, including condo reviews, along with at least one additional product designation such as FHA, VA, or USDA.

Requirements

Minimum 5 years of recent mortgage underwriting experience
Strong conventional underwriting experience required
Extensive Fannie Mae/Freddie Mac condo underwriting experience required
Must possess at least one additional underwriting designation/experience in FHA, VA, or USDA
Ability to work independently in a remote environment
Excellent communication and organizational skills

Nice To Haves

Current DE, SAR, or equivalent certifications are a plus
Strong analytical and decision-making skills
Experience with Encompass preferred

Responsibilities

Underwrite residential mortgage loan files in accordance with agency and investor guidelines
Review income, assets, credit, collateral, and overall loan eligibility
Analyze and underwrite conventional loans, including condo transactions
Ensure compliance with Fannie Mae and Freddie Mac requirements
Underwrite at least one additional loan product type: FHA, VA, or USDA
Communicate loan conditions and decisions clearly with processors, loan officers, and operations staff
Maintain productivity and quality standards while meeting turn-time expectations
Stay current on agency updates and underwriting guideline changes