Senior Production Mortgage Analyst

Enboarder; Washington (District of Columbia); Remote; USD 90,000 - 120,000; Full time

Job summary

Ocrolus is seeking an experienced mortgage underwriter to QC loan outputs in a remote, fintech-driven environment. You will apply guidelines from Fannie Mae, Freddie Mac, FHA, VA, and USDA to ensure accurate income calculations and underwriting conditions.

You will review borrower documents (income, assets, credit, AUS findings) and identify errors, applying underwriting rules within the product. Strong attention to detail is essential.

Qualifications

• 6+ years of mortgage underwriting experience, including FHA/VA.
• Ability to review borrower documentation (income, assets, credit, etc.).
• Strong income analysis, credit evaluation, and AUS findings expertise.
• Tech-savvy with strong documentation and attention to detail.

Responsibilities

• QC mortgage applications with Fannie Mae, Freddie Mac, FHA, VA, USDA guidelines.
• Review borrower documents and ensure correct data extraction and underwriting rules.
• Identify errors and guideline exceptions requiring correction.
• Update outputs to ensure accuracy and completeness.
• Meet standards for accuracy, turnaround time, productivity in a real-time environment.
• Provide actionable feedback on recurring errors to UW leadership.

Skills

Underwriting experience

Income analysis

Credit evaluation

AUS findings

Documentation skills

Tech-savviness

Tools

Fintech mortgage tools

Job description

Come build at the intersection of AI and fintech. At Ocrolus, we’re on a mission to help lenders automate workflows with confidence—streamlining how financial institutions evaluate borrowers and enabling faster, more accurate lending decisions.

Our AI workflow and analytics platform for lenders is trusted at scale, processing nearly one million credit applications every month across small business, mortgage, and consumer lending. By integrating state-of-the-art open- and closed-source AI models with our human-in-the-loop verification engine, Ocrolus captures data from financial documents with over 99% accuracy. Thanks to our advanced fraud detection and comprehensive cash flow and income analytics, our customers achieve greater efficiency in risk management, and provide expanded access to credit—ultimately creating a more inclusive financial system.

Trusted by more than 400 customers—including industry leaders like Better Mortgage, Brex, Enova, Nova Credit, PayPal, Plaid, SoFi, and Square—Ocrolus stands at the forefront of AI innovation in fintech. Join us, and help redefine how the world’s most innovative lenders do business.

We are seeking experienced candidates with experience in mortgage operations to perform quality control of our product outputs. This role requires deep underwriting expertise - including comprehensive knowledge of Fannie Mae, Freddie Mac, FHA, VA, and USDA guidelines - to validate income calculations, underwriting conditions, and other loan‑level outputs for accuracy and completeness.

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. What you’ll do:

• Apply advanced knowledge of Fannie Mae, Freddie Mac, FHA, VA, and USDA guidelines to rigorously QC mortgage applications.
• Review borrower documentation (income, assets, credit, collateral, AUS findings) and confirm the correct data extraction and classification, and application of underwriting rules within the product, such as income calculator output.
• Identify errors, omissions, inconsistencies, and guideline exceptions requiring correction or further review.
• Make necessary updates to ensure accurate and complete results.
• Meet established standards for accuracy, turnaround time, and productivity in a real‑time production environment.
• Identify recurring error patterns and share actionable feedback with UW team leadership.

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

• 6+ 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.
• Tech‑savvy
• Excellent documentation skills and detail orientation.

Preferred Qualifications

• Experience with fintech or SaaS mortgage tools.
• Familiarity with automated income calculation or verification platforms.

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.