Mortgage Loan Underwriter

Achieve; Arizona; Hybrid; USD 70,000 - 110,000; Full time

Benefits offered by this job

Hybrid and remote work opportunities

401 (k) with employer match

Medical, dental, and vision with HSA/F

Competitive vacation and sick time

Wellness support via EAP/Talkspace

Education reimbursement up to $5,250

Pet care discounts

Job summary

Achieve is a leading digital personal finance company seeking a Mortgage Underwriter (HELOC) to evaluate loan applications and assess borrower creditworthiness. This hybrid role blends remote work with 1–3 days per month in Tempe, requiring residency in the greater Phoenix area and ongoing adaptation to underwriting guidelines and industry changes.

You will partner with Mortgage Advisors and operations teams to ensure high-quality underwriting decisions, manage income verification, and maintain

Qualifications

• Minimum of 3–5 years UW II or more than 5 years UW III in home loans.
• Experience with self-employment verification and income calculation.
• Demonstrated communication skills and ability to meet deadlines.
• Ability to thrive in a fast-paced, high-volume mortgage environment.

Responsibilities

• Evaluate loan applications and borrowers' creditworthiness.
• Adhere to departmental SLAs.
• Monitor Regulation B compliance and ensure underwriting decisions meet SLAs.
• Verify income and employment information, review credit history, and calculate collateral value.
• Review appraisals (AVM, PICR, 1004, 1025) and confirm market value.
• Contact 3rd party vendors to resolve conflicting information or appraisal issues.
• Follow underwriting procedures and approve/deny loan requests per guidelines.
• Document reasons for approval/denial and issue adverse action notices.

Skills

Underwriting

Income calculation

Credit review

Communication

Multi-tasking

Independence

Teamwork

Tools

AVM

Job description

Achieve is a leading digital personal finance company. We help everyday people move from struggling to thriving by providing innovative, personalized financial solutions. By leveraging proprietary data and analytics, our solutions are tailored for each step of our member's financial journey to include personal loans, home equity loans, debt consolidation, financial tools and education. Every day, we get to help our members move their finances forward with care, compassion, and empathetic touch. We put people first and treat them like humans, not account numbers.

As aMortgage Underwriter,you’ll impact the lives of everyday people and help them go from surviving to thriving with innovative digital personal finance solutions. TheMortgage (HELOC) Underwriteris responsible for calculating income, reviewing all third-party vendor services to include AVM, fraud, & Credit Supplements, etc. and the review, conditioning, and final decisioning of the loan product.

This role will partner closely with the client, sales, and mortgage operations teams to ensure an optimal customer experience as they collaborate with Mortgage Advisors to secure desired loan financing. In this role, you will have responsibility to keep abreast of underwriting guidelines specific to home loans, and to industry changes that could affect the loan outcome. They will ensure all applications are reviewed with the highest level of attention paid to the quality of the underwrite itself.

This is a hybrid role with 90% of your time spent working from home, 1-3 days in our Tempe office each month.Candidates must reside in the greater Phoenix area.

What you’ll do:

• Evaluate loan applications and borrowers' creditworthiness
• Adhere to departmental SLAs
• Monitor Regulation B compliance and ensures all underwriting decisions are made within applicable SLAs
• Verifies income and employment information, reviews credit history, and calculates the value of borrowers' collateral/assets
• Analyzes personal and business, (Corporate, S Corporation, and Partnership), income tax returns and prepares Self-Employed Analysis for Mortgage qualification
• Reviews all appraisals, (I.e., AVM, PICR, 1004, 1025), to confirm they meet the standards for the loan type requested and support the market value conclusion
• Contacts 3rd party vendors, as necessary, to resolve conflicting information or appraisal issues
• Follows underwriting procedures
• Approves/Denies loan requests based on Home Loan underwriting guidelines and investor criteria
• Documents reasons for approval or denial and completes adverse action notices, when applicable
• Answers audit issues on purchases or pre-purchased loans

Qualifications

What you'll bring:

• Minimum of 3-5 years (UW II) or more than 5 years (UW III) of Underwriting experience in home
• Results-oriented, entrepreneurial individual – must be adaptable in a start-up environment loans, including 1st mortgage products, HELOCs, etc.
• Experience with self-employment verification
• Demonstrated skills in the area of income calculation and credit review
• Excellent communication skills
• Ability to meet deadlines and achieve goals
• Ability to work with cross-functional teams toward the delivery of goals and objectives
• Ability to multi-task at a high level
• Ability to work independently, as well as in a team environment
• Ability to work in a fast paced, high volume mortgage environment
• Seeks feedback and accepts coaching with a continual desire to get better

Achieve well-being with:

• Hybrid and remote work opportunities
• 401 (k) with employer match
• Medical, dental, and vision with HSA and FSA options
• Competitive vacation and sick time off, as well as dedicated volunteer days
• Access to wellness support through Employee Assistance Program, Talkspace, and fitness discounts
• Up to $5,250 paid back to you on eligible education expenses
• Pet care discounts for your furry family members
• Financial support in times of hardship with our Achieve Care Fund
• A safe place to connect and a commitment to diversity and inclusion through our six employee resource groups

Join Achieve, change the future

At Achieve, we’re changing millions of lives.

From the single parent trying to catch up on bills to the entrepreneur needing a loan for the next phase of growth, you’ll get to be a part of their journey to a better financial future. We’re proud to have over 3,000 employees in mostly hybrid and 100% remote roles across the United States with hubs in Arizona, California, and Texas. We are strategically growing our teams with more remote, work-from-home opportunities every day to better serve our members. A career at Achieve is more than a job—it’s a place where you can make a true impact, have a sense of belonging, establish a fulfilling career, and put your well-being first.

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