Description:
Hiring: U.S. Mortgage Underwriters (Core / End-to-End / Live Underwriting)
Location: Remote (WFH)
Experience Required: 210 Years in U.S. Mortgage Underwriting
We are hiring experienced U.S. Mortgage Underwriters with strong exposure to Core / End-to-End / Live Loan Underwriting. Candidates must have practical experience working with U.S. mortgage guidelines, income assessment, credit checks, and collateral review.
Key Responsibilities:
- Perform end-to-end underwriting of U.S. mortgage loans (Conventional / FHA).
- Review income, assets, credit, and collateral as per U.S. mortgage guidelines.
- Analyze complex borrower profiles including W2, 1099, self-employed, and retirement income.
- Ensure compliance with agency guidelines (Fannie Mae, Freddie Mac, FHA).
- Conduct detailed risk assessments and identify credit red flags.
- Review loan documents including VOE, VOD, tax returns, paystubs, bank statements, and appraisal reports.
- Maintain high accuracy and meet SLA/TAT requirements.
- Communicate effectively with processors and quality teams.
Required Experience & Skills:
- 210 years of U.S. Mortgage Underwriting experience.
- Must have handled live loans (not just pre-underwriting or post-closing).
- Strong understanding of 4 Cs of Credit - Credit, Capacity, Collateral, Capital.
- Experience with DTI calculation, income averaging, and asset verification.
- Ability to assess employment gaps, self-employed income, and retirement income.
- Familiarity with delayed financing, cash-out rules, and loan seasoning.
- Knowledge of FHA loan processes preferred.
- Strong analytical and decision-making abilities.
- Comfortable working in a remote/WFH environment.
Who Should Apply?:
Candidates who have handled:
- Core / End-to-End Underwriting
- Live Loan Decisions
- U.S. Mortgage Lending Processes
- Conventional / FHA Underwriting
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