Remote Life Insurance Underwriter

Analyze each loan in compliance with Acra’s credit guidelines and regulatory requirements.

Essential Duties and Responsibilities Manually underwrite mortgage loan files. Review and analyze mortgage loan applications and supporting documents to ensure accuracy and completeness in order to make an informed lending decision in compliance with Acra policies and guidelines

Measure multiple events in an applicant’s file and review application contingencies to quantify associated risk.

while adhering to production standards, staying within established turn-time timeframes and meeting minimum loan quality standards

Ability to perform duties and resolve issues without supervision and actively engage with supervisor to resolve complicated issues

Computer literate to include experience using Microsoft applications with mortgage industry standard software. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Experience performing manual underwrites of mortgage loan files

Adept at performing analysis and evaluation of a credit request and identifying appropriate documents to request from applicants

Experience making credit recommendations by measuring multiple events and quantifying the associated risks while adhering to guidelines and compliance requirements

Must be Proficient in English: speak, read, write

Education and/or Experience Minimum 3 years of recent experience frontline underwriting of residential mortgage loans

Minimum five years of experience underwriting non-prime and “A” paper mortgage loans required

40 - $45 Hourly Rate (USD) Benefits

Medical, dental, vision, wellness programs, EAP counseling services, FSA & HSA, company sponsored life insurance for employee, voluntary life insurance for employee, spouse and child, AD&D Insurance, voluntary short-term and long-term disability, critical illness insurance, accident insurance, legal assistance, pet insurance, living will and trust preparation discounts, commuter program, annual walking challenge, employee appreciation events and monthly sales awards.

At Acra Lending, we were founded with a clear purpose: to specialize in alternative income loan products that help borrowers qualify for our flexible loan programs. We operate in 39 States, out of nine offices in Arizona, California, Florida, Georgia, Hawaii, Missouri, Nevada, Texas, and Utah along with a growing team of remote professionals across the country. Throughout the mortgage industry, Acra Lending is widely known for responsible lending practices, product innovation and operational efficiency. The foundation of our Company is built on helping our customers by providing Non-QM mortgage solutions for today’s borrower in residential and commercial properties across America.

We believe in having diverse perspectives where everyone is included, to serve customers from all walks of life. We reward our employees with a competitive salary and a variety of benefits to help our team members reach their health, retirement, and professional goals along with an exceptional 401k match program.