Remote Texas Mortgage Underwriter — Lending Decisions

Randolph-Brooks Federal Credit Union; United States; Remote; USD 70,000 - 90,000; Full time

Job summary

Randolph-Brooks Federal Credit Union is seeking a Mortgage Underwriter for a work-from-home position. All applicants must reside in Texas and be able to work remotely from their home in Texas.

The role involves underwriting mortgage and home equity loans, reviewing loan documents, and rendering unbiased credit decisions while ensuring compliance with guidelines. Cross-sell recommendations and adherence to service level agreements are part of the duties.

Qualifications

• High School Diploma or GED required.
• 1–3 years of mortgage-related work experience.
• Strong analytical abilities and knowledge of mortgage lending regulations.
• Excellent verbal and written communication skills.
• Familiarity with TILA, RESPA, HMDA, ECOA and Flood Disaster Protection Act.
• Knowledge of Fannie Mae Desktop Underwriting and PMI underwriting guidelines.

Responsibilities

• Review loan applications for accuracy and completeness and provide feedback to loan officers.
• Review title commitments to ensure vesting matches the loan.
• Analyze credit, income, and other factors to determine creditworthiness.
• Evaluate appraisals and assist with review concerns as needed.
• Ensure compliance with fair lending and mortgage regulations.
• Perform other duties as assigned and adapt to changing responsibilities.

Skills

Analytical skills

Mortgage lending regulation knowledge

Verbal and written communication

Organizational skills

Coaching and feedback

Attention to detail

Education

High School Diploma/GED

Some College/Associate’s Degree

Tools

Encompass LOS

Microsoft Office

Job description

Randolph-Brooks Federal Credit Union is seeking a Mortgage Underwriter for a work-from-home position. All applicants must reside in Texas and be able to work remotely from their home in Texas.

The role involves underwriting mortgage and home equity loans, reviewing loan documents, and rendering unbiased credit decisions while ensuring compliance with guidelines. Cross-sell recommendations and adherence to service level agreements are part of the duties.