Remote Mortgage Underwriter

Placements24; Vereeniging; Híbrido; ZAR 1.317.000 - 1.811.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Competitive compensation with uncapped

Health, dental, vision insurance

401(k) retirement plan with match

Descripción de la vacante

Placements24 is recruiting a Remote Mortgage Underwriter to join a national lender's team. You will assess loan applications, verify financial information, and determine borrower creditworthiness in a remote setting.

You will work with mortgage products including FHA/VA/Conventional loans, ensuring compliance and timely decisions while maintaining thorough documentation and adherence to guidelines.

Formación

• Minimum 3–5 years of direct mortgage underwriting experience.
• Knowledge of FHA, VA, Conventional and USDA loan programs.
• Proficient with underwriting software and LOS systems.
• Strong analytical and problem-solving skills with attention to detail.
• Ability to work independently in a remote environment.

Responsabilidades

• Analyze loan applications, credit reports, financial statements, and appraisals.
• Evaluate borrower income, assets and credit history to assess risk.
• Ensure compliance with federal/state lending regulations and guidelines.
• Adhere to underwriting policies and risk controls for approvals/denials.
• Communicate decisions and conditions clearly to loan officers.
• Identify discrepancies or missing information in loan documents.
• Maintain accurate records of underwriting decisions.
• Stay updated on product guidelines and regulatory changes.
• Manage a remote loan pipeline to meet production goals.
• Collaborate with processors to move files smoothly through close.

Conocimientos

Mortgage underwriting

Credit analysis

Regulatory compliance

Remote work

Communication

Educación

Bachelor's degree in Finance/Business or related field

Herramientas

LOS

Underwriting software

Descripción del empleo

About the Role

Our client, a leading national mortgage lender, is actively seeking experienced Remote Mortgage Underwriters to join their fully remote team. This role is critical in evaluating loan applications, assessing borrower creditworthiness, and ensuring that all loans meet the company's lending guidelines and regulatory requirements. The ideal candidate will possess a keen eye for detail, a strong understanding of mortgage products, and the ability to make sound credit decisions efficiently. As a remote-first role, this position requires exceptional self-discipline, strong communication skills, and the ability to work independently without direct supervision, contributing to the seamless processing of mortgages across all operational regions.

Key Responsibilities

• Analyze loan applications, including credit reports, financial statements, and property appraisals.
• Evaluate borrower's financial history, income, and assets to determine creditworthiness.
• Ensure compliance with all federal and state lending regulations (e.g., RESPA, TILA).
• Adhere strictly to company underwriting guidelines and risk policies.
• Approve or deny loan applications based on thorough analysis and risk assessment.
• Communicate loan decisions and conditions clearly to loan officers and processors.
• Identify and resolve discrepancies or missing information in loan documentation.
• Stay current with industry trends, product guidelines, and regulatory changes.
• Manage a pipeline of loans efficiently to meet production goals.
• Maintain accurate and detailed records of underwriting decisions.

Requirements

• High school diploma or equivalent; Bachelor's degree in Finance, Business, or a related field preferred.
• Minimum of 3-5 years of direct mortgage underwriting experience.
• In-depth knowledge of FHA, VA, Conventional, and USDA loan programs.
• Proficiency with underwriting software and loan origination systems (LOS).
• Strong understanding of credit analysis, financial documentation, and risk assessment.
• Excellent analytical and problem-solving skills.
• Exceptional attention to detail and accuracy.
• Ability to work independently and manage time effectively in a remote environment.
• Strong written and verbal communication skills.
• Must have a reliable internet connection and a dedicated home office space.

Benefits

• Competitive salary plus uncapped commission/bonus structure based on performance.
• Comprehensive health, dental, and vision insurance plans.
• 401(k) retirement plan with company match.
• Paid time off and holidays.
• Opportunities for professional growth and career advancement within a remote-first organization.
• Work from the comfort of your own home.