Remote Underwriter / Telecommute

Mortgage Underwriter
We're seeking an experienced Mortgage Underwriter to work closely with the Underwriting Manager to ensure all loan files are complete, accurate, and meet company and regulatory guidelines. This remote position requires strong communication skills, sound independent judgment, and technical proficiency in mortgage underwriting.
This position requires working hours based on Pacific Standard Time (PST), typically 9:00 a.m. to 5:00 p.m. PST/PDT.
Key Responsibilities:

Apply internal loan approval policies and investor guidelines during the underwriting process.
Accurately calculate Loan-to-Value (LTV) and Debt-to-Income (DTI) ratios.
Approve loans that meet company standards and document any conditions for closing.
Outline all closing conditions to ensure compliance with applicable regulations and complete file documentation.
Conduct a holistic evaluation of each borrower's profile, assessing beyond isolated figures to understand the full credit picture.
Collaborate with the Underwriting Manager to ensure consistency, compliance, and quality in underwriting decisions.
Exercise sound decision-making discretion in complex or borderline cases.
Ensure all required fields are filled and supporting documentation is included
Communicate clear conditions for approval
Work with processing and closing teams to ensure continued collaboration
Qualifications:

Minimum of 5 years of mortgage underwriting experience with FHA, Conventional, and VA loan products
DE (Direct Endorsement) Certification required
VA LAPP/SAR Certification preferred
Experience with USDA loans preferred
Proven experience underwriting both manually underwritten and AUS (DU/LP) decisioned government loans
Proficiency with Desktop Underwriter (DU) and Loan Product Advisor (LP) required
Experience using Encompass Loan Origination System preferred
Strong understanding of investor and agency guidelines, credit risk, and compliance standards
Demonstrated ability to collaborate effectively with sales teams, processors, and other operational partners
Strong communication, organizational, and problem-solving skills
High level of accuracy, integrity, and sound judgment in underwriting decisions
Must be capable of working independently in a remote and/or office environment
Candidates must be able to work standard business hours aligned with Pacific Standard Time (PST)