Senior Mortgage Underwriter

Differential Ventures; Helena (MT); Remote; USD 70,000 - 110,000; Full time

Job summary

Differential Ventures is seeking an experienced Mortgage Underwriter to join our remote team. This role applies deep underwriting knowledge of Fannie Mae, Freddie Mac, FHA, and VA guidelines to test and refine our mortgage products.

You will review income, assets, credit, AUS, and collateral, document results, flag issues, and collaborate with Sales and Product to drive improvements. Our remote-first culture emphasizes ownership, reliability, and clear cross‑functional communication.

Qualifications

• 3+ years of mortgage underwriting experience, including FHA and VA.
• Experience reviewing W-2s, tax returns, pay stubs, and appraisal documentation.
• Strong income analysis, credit evaluation, and AUS findings expertise.

Responsibilities

• Test underwriting tools against guidelines and validate accuracy.
• Review borrower documents and ensure proper application of underwriting rules.
• Document results, flag discrepancies, and propose solutions.
• Serve as SME to technical and non-technical teams.
• Collaborate with Sales and Product to identify enhancements.
• Provide SME input to Sales team.
• Communicate findings clearly to leadership and stakeholders.

Skills

Mortgage underwriting

AUS findings

Income analysis

Documentation review

Tech-savvy

Communication

Mortgage software

Tools

Mortgage software

Job description

Job Title: Mortgage Underwriter

Location: Remote

Timings: 6 PM to 3 AM IST

Summary

We are seeking an experienced Mortgage Underwriter to join our team. This role will draw on deep underwriting expertise—including comprehensive knowledge of Fannie Mae, Freddie Mac, FHA, and VA guidelines—to perform continuous testing on our mortgage products. The successful candidate will have hands‑on experience interpreting and analyzing income, asset, credit, AUS, and collateral documentation, applying underwriting rules, performing income calculations and creating conditions. Leveraging this expertise, the Mortgage Underwriter will partner closely with the Sales and Product teams to identify and support product improvements and new feature development.

What you'll do:

• Product TestingApply advanced knowledge of Fannie Mae, Freddie Mac, FHA, and VA guidelines to rigorously test mortgage underwriting tools and validate accuracy.
• Review borrower documentation (income, assets, credit, collateral, AUS findings) and confirm the correct application of underwriting rules within the product, such as income calculator output.
• Document test results thoroughly, flag discrepancies, and recommend solutions to ensure compliance with agency and investor standards.
• Serve as the subject matter expert on underwriting practices, providing clarity and context to both technical and non-technical teams.
• Collaboration & CommunicationTranslate complex underwriting requirements into clear and simple language and communicate effectively to stakeholders, both written and verbal.
• Partner closely with Product to share enhancement opportunities.
• Provide ongoing SME input to the Sales team.
• Communicate findings and recommendations effectively to both leadership and cross‑functional stakeholders, ensuring alignment across teams.

Who we're looking for: (Skill Sets and Qualifications)

• 3+ years of mortgage underwriting experience, including FHA and VA.
• Skilled in reviewing borrower documentation (e.g., W-2s, tax returns, pay stubs, self-employment income, appraisal, title, etc).
• Strong expertise in income analysis, credit evaluation, and AUS findings.
• Experience testing technology products or tools is a plus.
• Tech-savvy with ability to critique mortgage software and explain findings clearly.
• Excellent documentation, prioritization, and communication skills.

Preferred Qualifications

• Experience with fintech or SaaS mortgage tools.
• Familiarity with automated income calculation or verification platforms.
• Exposure to agile product development environments.

Life at Ocrolus

We’re a team of builders, thinkers, and problem solvers who care deeply about our mission — and each other. As a fast-growing, remote‑first company, we offer an environment where you can grow your skills, take ownership of your work, and make a meaningful impact.

Our culture is grounded in four core values:

• Empathy – Understand and serve with compassion
• Curiosity – Explore new ideas and question the status quo
• Humility – Listen, be grounded, and remain open‑minded
• Ownership – Love what you do, work hard, and deliver excellence

We believe diverse perspectives drive better outcomes. That’s why we’re committed to fostering an inclusive workplace where everyone has a seat at the table, regardless of race, gender, gender identity, age, disability, national origin, or any other protected characteristic.

We look forward to building the future of lending together.