Remote Mortgage Underwriter – Texas (Home-Based)

RBFCU Insurance Agency LLC; San Antonio (TX); Remote; USD 70,000 - 100,000; Full time

Job summary

RBFCU Insurance Agency LLC is seeking a Mortgage Underwriter for a work-from-home role, requiring residence within Texas. You will underwrite mortgage and home equity loans, review documentation, and ensure adherence to portfolio and secondary market guidelines.

Responsibilities include credit analysis, title review, appraisals, and regulatory compliance. The role emphasizes accurate loan decisioning, service levels, and referrals for loans beyond approval limits.

Qualifications

• High School Diploma or GED required.
• 1-3 years of related work experience.
• Strong analytical and mortgage lending knowledge.
• Excellent verbal and written communication skills.
• Ability to meet production, quality and service standards.
• Experience with real estate lending regulations (TILA, RESPA, HMDA, ECOA, Flood Disaster Act).
• Working knowledge of Fannie Mae Desktop Underwriting and PMI underwriting guidelines.
• Home Equity Lending experience.
• Experience with Encompass LOS.

Responsibilities

• Loan application review for accuracy and completeness.
• Review title commitments to ensure vesting matches the loan.
• Analyze borrower's willingness and ability to repay mortgage debt using credit reports and income verification.
• Evaluate appraisal or other valuation methods to determine loan collateral.
• Ensure compliance with fair lending and mortgage regulatory policies.
• Refer loans outside approving limits to management for approval and provide cross-sell recommendations.

Skills

Mortgage underwriting

Regulatory knowledge

Credit analysis

Communication skills

Education

High School Diploma/GED

Tools

Encompass LOS

Microsoft Office

Desktop Underwriting

Job description

RBFCU Insurance Agency LLC is seeking a Mortgage Underwriter for a work-from-home role, requiring residence within Texas. You will underwrite mortgage and home equity loans, review documentation, and ensure adherence to portfolio and secondary market guidelines.

Responsibilities include credit analysis, title review, appraisals, and regulatory compliance. The role emphasizes accurate loan decisioning, service levels, and referrals for loans beyond approval limits.