Fully Remote Mortgage Underwriter - Precision & Risk

Placements24; Queenstown; Remote; NZD 90,000 - 130,000; Full time

Benefits offered by this job

Competitive salary with incentives

Health, dental, and vision insurance

401k with company match

Paid time off and holidays

Fully remote work arrangement

Job summary

Placements24 is seeking a remote Mortgage Underwriter to join our growing team in New Zealand. The role requires deep knowledge of mortgage lending guidelines, risk assessment, and regulatory compliance, with the ability to handle loan analyses independently in a remote setting.

You will review applications, assess borrower financials, property valuations, and credit histories to determine loan eligibility and risk.

Qualifications

• Minimum 3 years of experience as a Mortgage Underwriter.
• In-depth knowledge of mortgage underwriting principles, federal regulations, and secondary market guidelines.
• Proficiency with underwriting software and loan origination systems.
• Strong analytical and problem-solving skills with meticulous attention to detail.
• Ability to manage a high volume of loan files remotely.

Responsibilities

• Review and analyze mortgage loan applications, including borrower credit, income, assets, and liabilities.
• Assess loan-to-value ratios, debt-to-income ratios, and other key financial metrics.
• Ensure all loans meet company underwriting guidelines and regulatory requirements (e.g., FHA, VA, Conventional).
• Identify potential risks and red flags in loan applications and request necessary documentation.
• Make sound decisions on loan approval, denial, or counter-offer based on established criteria.
• Communicate effectively with loan officers, processors, and other stakeholders regarding loan decisions and requirements.

Skills

Mortgage underwriting

Regulatory knowledge

Underwriting software

Analytical skills

Remote work

Communication

Tools

Underwriting software

Job description

Placements24 is seeking a remote Mortgage Underwriter to join our growing team in New Zealand. The role requires deep knowledge of mortgage lending guidelines, risk assessment, and regulatory compliance, with the ability to handle loan analyses independently in a remote setting.

You will review applications, assess borrower financials, property valuations, and credit histories to determine loan eligibility and risk.