Remote Mortgage Underwriter: Risk, Compliance & Autonomy

Placements24; Richards Bay; Hybrid; ZAR 600,000 - 900,000; Full time

Benefits offered by this job

Medical insurance

Dental insurance

Vision insurance

Professional development

Remote work flexibility

Job summary

Placements24 is seeking an experienced Mortgage Underwriter to join a fully remote team, supporting lending operations from Richards Bay. You will evaluate loan applications, analyze financial documents, and determine borrower eligibility for mortgage financing.

The role requires reviewing credit reports, appraisals, and tax returns, with a focus on risk assessment and regulatory compliance in a remote-first environment.

Qualifications

• Proven experience as a Mortgage Underwriter with conventional and government loan programs.
• Experience analyzing financial statements, tax returns, and credit histories.
• Proficiency with mortgage underwriting software and systems.
• Excellent analytical and problem-solving skills with keen attention to detail.
• Strong understanding of banking and mortgage lending regulations.
• Ability to work independently in a remote environment with a loan pipeline.

Responsibilities

• Review loan applications, credit reports, income docs, and appraisals to assess risk.
• Determine loan eligibility based on underwriting guidelines and policies.
• Approve/deny/counter-offer mortgage loans with documented rationale.
• Communicate with originators, processors, and brokers to gather information.
• Ensure compliance with lending regulations (TRID, RESPA, HMDA).
• Maintain knowledge of mortgage products, guidelines, and best practices.

Skills

Mortgage underwriting

Credit analysis

Regulatory knowledge

Analytical thinking

Independence

Tools

Mortgage underwriting software

Job description

Placements24 is seeking an experienced Mortgage Underwriter to join a fully remote team, supporting lending operations from Richards Bay. You will evaluate loan applications, analyze financial documents, and determine borrower eligibility for mortgage financing.

The role requires reviewing credit reports, appraisals, and tax returns, with a focus on risk assessment and regulatory compliance in a remote-first environment.