Remote Mortgage Underwriter I

Please be advised: Visio Lending does not accept unsolicited resumes or services from third-party recruitment agencies. In the event, a recruiter or agency submits a resume or candidate without an agreement Visio Lending shall explicitly reserve the right to pursue and hire those candidate(s) without any financial obligation to the recruiter or agency. Any unsolicited resumes, including those submitted to Visio Lending employees, shall be deemed the property of Visio Lending.

About Visio Lending

Visio Lending is the nation's leader in rental home financing. Founded in 2012 in Austin, Texas, Visio enables small- to medium- sized investors to grow their rental home, and vacation rental portfolios. Headquartered in fantastic Austin, Texas, since late 2015, Visio has financed more than $1 billion in Rental360 loans. With more than $400 million in capital onboard, a proven record of investment grade bond issuance on Wall Street, and an outstanding 100+ team, Visio is poised for continued success.

Why We Love Working at Visio:

We at Visio are passionate about working together towards our goals to continually push this company forward. We innovate, collaborate, celebrate team successes, and recognize individual accomplishments. At Visio Lending, you'll work on meaningful initiatives that directly support real estate investors nationwide. We offer a collaborative culture, growth opportunities, and flexibility with remote or hybrid work options.

How to Apply?

To be considered for employment, please submit your application online. While we appreciate all the interest we receive, only candidates selected for phone screening, or an interview will be contacted directly. You will receive application status alerts via email so make sure your email address is accurate.

Note: Incomplete applications will not be considered. Unanswered application questions or responses indicating "see resume" will be considered incomplete and you will be removed from consideration.

Visio Financial Services, Inc. is an Equal Opportunity Employer

The Opportunity

The Underwriter I is responsible for evaluating and analyzing loan documents to ensure compliance with company policies, investor guidelines, and regulatory requirements. This role focuses on reviewing lower-complexity documents while building expertise in credit analysis, risk assessment, and underwriting best practices. You will play an essential role in maintaining loan quality, supporting team workflows, and ensuring a seamless customer experience.

What You'll Do

• Review and evaluate loan documents to determine borrower eligibility and identify potential fraud
• Identify when a file deviates from standard requirements and escalate when needed
• Complete underwriting tasks according to program requirements, internal guidelines, and legal/regulatory standards
• Ensure loans follow investor and company policies, SOPs, and compliance rules
• Maintain acceptable turnaround times and service-level expectations
• Review corporate documentation for entity borrowers
• Research property taxes to determine appropriate escrows
• Review title commitments to ensure alignment with company and investor guidelines
• Confirm all lending conditions are met prior to closing
• Assist underwriters by responding to urgent or time-sensitive emails to manage workflow volume
• Run QC tools (FraudGuard, LexisNexis, etc.) and update system records accurately
• Provide excellent customer service throughout the underwriting process
• Collaborate cross-functionally to support efficient workflows and process improvements
• Completing other responsibilities and duties as assigned based on business needs
• Authorized Remote Locations: AL, AR, AZ, FL, GA, IL, IN, KS, KY, LA, MI, NC, SC, TX, UT
• Work Schedule: Monday - Friday: 8:30 am - 5:30 pm CST
• Salary Range: $29.80 - $40.04/hr (Non-Exempt/Hourly/Overtime Eligible)

What We Are Looking For:

• 2+ years of experience in the mortgage industry with strong knowledge of Non-QM documentation
• Solid manual underwriting skills
• Tech-savvy, with the ability to learn and navigate multiple systems
• Strong documentation review skills with the ability to spot discrepancies and ensure compliance
• Proven ability to manage time-sensitive tasks and meet deadlines
• Completion of all required training by designated timelines
• Reliable, team-oriented, and proactive in a fast-paced environment
• Proficiency in Microsoft Word and Excel
• High School Diploma or GED required
• Internal Applicants: Must meet minimum qualifications and have no recent disciplinary actions

What We Prefer to Find:

• 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