Junior Mortgage Underwriter

beelineloansinc; Providence (RI); On-site; USD 60,000 - 75,000; Full time

Benefits offered by this job

Health Insurance

Dental & Vision

Life & Disability Insurance

Paid time off

401(k)

Job summary

Beeline seeks a detail-oriented Junior Mortgage Underwriter in Providence, RI. You will review loan files, analyze borrower finances, and assess risk to ensure compliance with investor and agency guidelines. The role partners with processors, loan officers, and operations to move loans efficiently from application to closing.

This position offers growth in underwriting skills within a supportive, fast-paced environment and requires prior mortgage loan processing experience.

Qualifications

• 3–5+ years of mortgage loan processing experience
• Strong understanding of mortgage documentation and income analysis
• Familiarity with agency guidelines (Fannie Mae, Freddie Mac, FHA, VA) preferred
• Detail-oriented with strong analytical and problem-solving abilities

Responsibilities

• Review residential mortgage loan files to determine borrower eligibility and creditworthiness
• Evaluate income, assets, credit, collateral, and documentation for lending guidelines
• Apply agency and investor guidelines to conventional, FHA, VA, and other programs
• Communicate underwriting conditions clearly to processors and operations teams
• Review updated documentation and clear conditions for final approval
• Identify risk factors and elevate complex scenarios when appropriate
• Maintain quality, accuracy, and turnaround times
• Collaborate with internal teams to ensure a smooth loan process and borrower experience

Skills

Analytical thinking

Attention to detail

Communication skills

Time management

Risk assessment

Tools

Mortgage LOS systems

Underwriting tools

Job description

Junior Mortgage Underwriter

We are seeking a detail-oriented Junior Mortgage Underwriter to join our growing team. This role is ideal for a mortgage professional with 3–5+ years of loan processing experience who is ready to take the next step in their career and transition into underwriting.

As a Junior Underwriter, you will review loan files, analyze borrower financials, and evaluate risk to ensure loans meet investor and agency guidelines. You will work closely with processors, loan officers, and operations teams to help move loans efficiently from application to closing. This position is a great opportunity for someone who has strong processing experience and wants to develop their underwriting skills in a supportive, fast-paced environment.

Key Responsibilities

• Review and analyze residential mortgage loan files to determine borrower eligibility and creditworthiness
• Evaluate income, assets, credit, collateral, and documentation to ensure compliance with lending guidelines
• Apply agency and investor guidelines, including conventional, FHA, VA, and other mortgage programs
• Communicate underwriting conditions clearly to processors and operations teams
• Review updated documentation and clear conditions for final approval
• Identify potential risk factors and elevate complex scenarios when appropriate
• Maintain quality, accuracy, and turnaround time standards
• Collaborate with internal teams to ensure a smooth loan process and excellent borrower experience

Qualifications

• 3–5+ years of mortgage loan processing experience required
• Strong understanding of mortgage documentation, including income calculation, credit analysis, and asset verification
• Familiarity with agency guidelines (Fannie Mae, Freddie Mac, FHA, VA) preferred
• Highly detail-oriented with strong analytical skills
• Excellent communication and problem-solving abilities
• Ability to manage multiple loan files and meet deadlines in a fast-paced environment
• Experience with mortgage LOS systems and underwriting tools preferred

Benefits

• Health Insurance
• Dental Insurance and Vision Insurance
• Life & Disability Insurance
• 10 days of personal/sick time per year – available upon starting
• 3 weeks of vacation time per year, accrued per pay period
• 401(k)

About Beeline

We are revolutionizing the home loan process to replace fear and uncertainty with respect and peace of mind. Offering diverse mortgage products, we empower customers to reach closing effortlessly through our user-friendly technology and streamlined lending experience.

Equal Opportunity Employer

Beeline is an Equal Opportunity Employer that welcomes and encourages all applicants to apply regardless of age, race, sex, religion, color, national origin, disability, veteran status, sexual orientation, gender identity and/or expression, marital or parental status, ancestry, citizenship status, pregnancy, or any other status protected by law.