Remote Mortgage Underwriter- AI Implementation

Position:Mortgage Underwriter
Fully Remote equipment provided- Candidate must reside in Central or Eastern Time zone.
Compensation: $50000$90000 base salary
Bonus: Discretionary bonus approximately 5% annually based on company profitability
Schedule: 9:00 AM5:00 PM EST
Benefits: 401(k) match PTO health/dental/vision insurance and other voluntary insurance products

Overview

A mortgage company is hiring a fully remote Mortgage UnderwriterTech and AI savvyto support increased loan volume. This role is ideal for a conventional mortgage underwriter who can independently evaluate loan risk complete income calculations validate assets review collateral and communicate loan decisions clearly with processors and originators.

The team is looking for someone who is comfortable with technology AI tools and modern underwriting workflows. This person should be able to assist in implementing new AI tools.

Responsibilities

Authorize and underwrite mortgage loans
Complete income calculation asset validation and collateral evaluation
Analyze loan attributes and risks
Identify potential misrepresentation and determine the soundness and accuracy of applications
Ensure compliance with company policies guidelines and regulatory standards
Document and effectively communicate reasons for loan decisions
Provide support to originators and processors regarding questions and clarifications
Participate in scenario desk discussions
Self-manage underwriting pipeline and prioritize workload
Maintain professional communication with processors originators and other underwriters
Participate in training projects and other tasks where underwriting skill is useful
Use automated underwriting systems and various loan origination systems

Qualifications

5 years of conventional mortgage underwriting experience
DE and government underwriting experience a plus
Ability to independently make sound decisions based on applicant creditworthiness
Experience with income calculation asset validation and collateral evaluation
Familiarity with validation services and products
Strong research skills and familiarity with agency guidelines
Good working knowledge of the mortgage loan lifecycle and relevant compliance regulations
Ability to identify loan risk and potential misrepresentation
Strong documentation and communication skills
Highly organized and able to prioritize
Detail-oriented with strong data analysis skills
Ability to self-manage pipeline and maintain professional rapport with processors and loan officers
Proficiency in DU/LP
Proficiency in Microsoft Office/Teams
Experience with various loan origination systems
MeridianLink Mortgage experience a plus
Comfortable with technology and AI tools
Ability to work Eastern Time business hours

NMS Disclaimer

Client requirements and hiring decisions are set by the hiring company. Please ensure your application details align with your resume and reflect your direct experience. Thank you for your interest!