Remote DE Mortgage Underwriter

NovaFi Mortgage, Inc.; Dyer (CA); Remote; USD 52,000 - 62,000; Full time

Benefits offered by this job

Medical Insurance

Dental insurance

Vision insurance

Life insurance

Paid time off

401(k) with company match

Job summary

Kings Mortgage Services, Inc. is seeking a Remote Underwriter to review residential mortgage loan applications for compliance with guidelines and regulations. You will evaluate borrower creditworthiness, income, assets, and collateral to support sound underwriting decisions while meeting service levels.

The role requires a DE certification, Encompass experience, and the ability to work Pacific Time hours. A strong mortgage underwriting background and knowledge of HUD guidelines are essential for

Qualifications

• Active Underwriter designation (DE) required.
• Experience using Encompass required.
• Located in or able to work Pacific Time hours.
• Proven experience in mortgage underwriting or related field.
• Strong knowledge of HUD underwriting guidelines.
• Excellent analytical skills with attention to detail.
• Strong communication skills for collaboration with team and clients.
• Ability to work independently in a fast-paced environment.

Responsibilities

• Review and analyze loan applications, credit reports, and financial documents to determine borrower eligibility.
• Assess risk factors including income verification, debt-to-income ratios, and creditworthiness.
• Ensure compliance with federal and state regulations and company policies throughout underwriting.
• Collaborate with brokers, Account Managers, and other stakeholders to resolve documentation issues.
• Prepare detailed financial reports with findings and recommendations for approvals/denials.
• Stay updated on industry trends and changes in underwriting regulations.
• Conduct quantitative analysis of borrower profiles and market conditions impacting decisions.

Skills

Active DE designation

Encompass experience

Analytical skills

Communication skills

Independent worker

Mortgage underwriting experience

Education

DE certification

Tools

Encompass

Job description

Kings Mortgage Services, Inc. is seeking a Remote Underwriter to review residential mortgage loan applications for compliance with guidelines and regulations. You will evaluate borrower creditworthiness, income, assets, and collateral to support sound underwriting decisions while meeting service levels.

The role requires a DE certification, Encompass experience, and the ability to work Pacific Time hours. A strong mortgage underwriting background and knowledge of HUD guidelines are essential for