Residential Mortgage Underwriter

Reliant Home Funding, Inc | NMLS 292473; India; Remote; INR 5,424,954 - 7,233,272; Full time

Benefits offered by this job

Collaborative remote work environment

Stable, long-term opportunity

Growth potential within an expanding team

Job summary

A U.S. mortgage company is seeking a Residential Mortgage Underwriter to support the underwriting team remotely. The role involves preparing and reviewing loan files, following U.S. lending guidelines, and using tools like Encompass. Ideal candidates will have over three years of experience in underwriting or processing, strong communication skills, and a reliable home office setup. Join a collaborative environment with growth potential in the growing mortgage sector.

Qualifications

• 3+ years of experience as a mortgage underwriter, MLO assistant, or processor.
• Proficient with Encompass Loan Origination System.
• Strong knowledge of DU/LP, FHA/Conventional guidelines, and mortgage documentation.

Responsibilities

• Prepare and review loan files for underwriting submission.
• Run and interpret DU and LP findings.
• Review and analyze asset and bank statements.
• Identify red flags or missing documentation.
• Communicate with processors and loan officers to gather required conditions.
• Update file notes and maintain data integrity.

Skills

Mortgage underwriting

Attention to detail

Analytical skills

English communication

Tools

Encompass

DU

LP

Job description

Overview

Job Title: Residential Mortgage Underwriter
Company: Reliant Home Funding, Inc.
Location: Remote (India-based)
Work Schedule: Full-Time | U.S. Eastern Time Hours

About Us: Reliant Home Funding, Inc. is a U.S.-based mortgage banker committed to providing a streamlined, tech-driven lending experience for homeowners and buyers. We pride ourselves on efficiency, accuracy, and service excellence—made possible by great people behind the scenes. We’re now seeking a talented and experienced Mortgage Underwriter Assistant to join our remote operations team.

Job Overview: As a Residential Mortgage Underwriter, you'll support our underwriting team by helping package and review loan files with precision and speed. You'll be expected to understand and follow U.S. lending guidelines, assess documentation for completeness, and use industry tools such as Encompass, DU, and LP. This is a remote position requiring consistent availability during Eastern Time business hours.

Key Responsibilities

• Assist in preparing and reviewing loan files for underwriting submission
• Run and interpret DU and LP findings
• Review and analyze asset and bank statements
• Identify red flags or missing documentation
• Communicate clearly with processors and loan officers to gather required conditions
• Update file notes and maintain data integrity in Encompass

Qualifications

• 3+ years of experience as a mortgage underwriter, MLO assistant, or processor with direct income/asset review duties
• Proficient with Encompass Loan Origination System
• Strong working knowledge of DU/LP, FHA/Conventional guidelines, and mortgage documentation
• Excellent attention to detail and analytical skills
• Reliable internet connection and suitable home office setup
• Strong English communication skills (verbal and written)
• Availability to work Monday–Friday, 9 AM – 6 PM ET

Preferred

• Previous experience working remotely for a U.S. mortgage company
• Knowledge of U.S. mortgage compliance and documentation standards

Why Join Reliant?

• Stable, long-term opportunity with a respected U.S. mortgage banker
• Collaborative and supportive remote work environment
• Growth potential within an expanding team

To Apply

Please submit your resume along with a brief cover letter detailing your experience with Encompass and U.S. mortgage underwriting processes.