Apply to Remote Mortgage Underwriter- AI Implementation

Position: Mortgage Underwriter
Fully Remote, equipment provided- Candidate must reside in Central or Eastern Time zone.
Compensation: $50,000–$90,000 base salary
Bonus: Discretionary bonus, approximately 5% annually based on company profitability
Schedule: 9:00 AM–5:00 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 Underwriter Tech and AI savvy to 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!

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First Name *

Last Name *

Email *

Address *

City *

State *

Zip Code *

Phone *

Title of Most Recent Position *

Willing to Relocate

Location of most recent Educational Institution *

I certify that all the information presented on my resume is true and employment dates are accurate to the best of my knowledge. I understand that any offer of employment is contingent upon a completed full verification of my employment history. *

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Do you currently hold an active DE and/or VA underwriting certification? Please specify which designation(s) you hold and when they were last used. *

How many years of residential mortgage underwriting experience do you have? *

List the loan products you have underwritten in the past 24 months *

FHA VA Conventional Non-QM Jumbo Other (please specify)

Are you proficient in Encompass loan origination software? If yes, describe your level of expertise (e.g., daily user, advanced functions). *

Please list the AI tools you've used in an underwriting environment and describe how you used them. *

Do you have experience testing and assisting implementation of New AI tools within the UW department? If so, please explain. *

How many years of Retail Underwriting do you have? *

How many years of Wholesale Underwriting do you have? *

The range for this position is Salary $50-90k DOE plus an annual bonus of 5% of the salary. Please list your minimum salary requirement *