Remote - Mortgage Underwriter

Job Summary 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. Key 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. Qualifications 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. Job Type & Location This is a Contract position based out of North Richland Hills, TX. Pay & Benefits The pay range for this position is $22.02 - $39.93/hr. Benefits Medical, dental & vision Critical Illness, Accident, and Hospital 401(k) Retirement Plan – Pre‑tax and Roth post‑tax contributions available Life Insurance (Voluntary Life & AD&D for the employee and dependents) Short and long‑term disability Health Spending Account (HSA) Transportation benefits Employee Assistance Program Time Off/Leave (PTO, Vacation or Sick Leave) Workplace Type This is a hybrid position in North Richland Hills, TX. Application Deadline This position is anticipated to close on Jul 27, 2026. Equal Opportunity Employer The company is an equal opportunity employer and will consider all applications without regard to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law. San Francisco Fair Chance Ordinance: Pursuant to the San Francisco Fair Chance Ordinance, for all positions located in the city and county of San Francisco, we will consider for employment qualified applicants with arrest and conviction records. Massachusetts Lie Detector: It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability. Use of Artificial Intelligence (AI): We may use Artificial Intelligence (AI) to support parts of our hiring process, including sourcing, screening, and evaluating candidates. AI helps assess applications and qualifications, but final decisions are made by our hiring team. By applying, you acknowledge and agree that your application may be reviewed using AI tools. #J-18808-Ljbffr