Remote Mortgage Underwriter

Placements24; Queenstown; Remote; NZD 90.000 - 130.000; Vollzeit

Benefits dieser Stelle

Competitive salary with incentives

Health, dental, and vision insurance

401k with company match

Paid time off and holidays

Fully remote work arrangement

Zusammenfassung

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.

Qualifikationen

• 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.

Aufgaben

• 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.

Kenntnisse

Mortgage underwriting

Regulatory knowledge

Underwriting software

Analytical skills

Remote work

Communication

Tools

Underwriting software

Jobbeschreibung

About the Role

Our client is seeking a detail-oriented and experienced Remote Mortgage Underwriter to join their growing team. This position is fully remote and requires a thorough understanding of mortgage lending guidelines, risk assessment, and regulatory compliance. You will be responsible for evaluating loan applications, analyzing borrower financials, property valuations, and credit histories to determine loan eligibility and risk. The ideal candidate is self-motivated, possesses strong analytical skills, and can work independently while maintaining high standards of accuracy and efficiency in a remote work setting.

Key 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.

Requirements

• Minimum of 3 years of experience as a Mortgage Underwriter.
• In-depth knowledge of mortgage underwriting principles, federal regulations, and secondary market guidelines.
• Proficiency in 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 independently in a remote environment.
• Excellent communication and organizational skills.

Benefits

• Competitive salary with performance incentives.
• Comprehensive benefits package including health, dental, and vision insurance.
• 401k plan with company match.
• Paid time off and holidays.
• The flexibility and convenience of a fully remote work arrangement.