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Consumer loan underwriter work from home jobs

- 91 jobs
  • Senior Underwriter

    Kettle 4.4company rating

    Remote job

    Kettle is a fast growing Managing General Agency (MGA) specializing in wildfire insurance combining advanced underwriting technology with deep industry experience along with an expansion of product to include All Other Perils Property exposures. We are seeking a Senior Underwriter to join our team and expand their career in property underwriting. This role will report directly to the Senior Vice President of Underwriting with responsibility for evaluating E&S property risks to determine policy eligibility, terms and pricing along with supervision of staff underwriters along with building and maintaining key wholesale broker relationships. Primary Responsibilities Underwrite complex commercial property risks. Manage and grow a profitable book of business. Develop and maintain strong relationships with brokers and agents. Collaborate with the SVP of Underwriting and other teams to develop and launch new product initiatives. Maintain expertise in property E&S market dynamics, trends, and competitive landscape. Ensure adherence to underwriting controls, policies, and guidelines. Direct supervision of underwriters. Mentor and guide underwriters. Participate in the implementation of new policy administration and underwriting workbench platforms. Up to 20% travel is expected. Other duties as assigned. Requirements Bachelor's degree required 5+ years of experience in underwriting commercial property, preferably on an E&S basis. Prefer prior experience underwriting wildfire exposures. Demonstrated track record of building broker relationships. Ability to apply a strategic perspective to improve and generate innovative solutions within the underwriting function. Knowledge of regulatory requirements. Expertise in commercial policy forms and rating schematics. Licensed in surplus lines in the Western US required, all 50 states preferred. Experience underwriting Ground Up, Primary and Loss Limit Property accounts. Benefits Be part of a mission-driven company tackling real-world challenges. Work with a passionate and innovative team in a collaborative environment. Opportunity to influence cutting-edge wildfire risk modeling in a dynamic industry. Competitive salary and benefits package, including remote work. The salary range for this role is $120,000 - $160,000 This position is bonus eligible This position is eligible for stock options (subject to board approval) Our Kettle Inc. ("Kettle") is an equal opportunity employer. Kettle provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws.
    $120k-160k yearly Auto-Apply 60d+ ago
  • Underwriter, Wholesale, Senior

    Carrington Mortgage 4.5company rating

    Remote job

    Come join our amazing team and work Remote ! The Wholesale Underwriter will Underwrites loans in accordance with Company and Investor guidelines following company's policies and procedures under general supervision. Makes sound underwriting decisions and ensures that all decisions meet legal and policy requirements. Perform all duties in accordance with the company's policies and procedures, all US state and federal laws and regulations, wherein the company operates. The target pay range for this position is $100,000.00 to $115,000.00 + Monthly Incentive plan. What you'll do: Performs a thorough analysis to ensure the quality of each loan and to determine compliance with Company and Investor guidelines. Performs a thorough analysis of collateral to ensure property meets investor guidelines and the appraisal quality and completeness is acceptable. Applies and interprets company underwriting guidelines and makes sound credit decision. Completes credit, analysis of income, analysis of property, ensures proper audits are completed and verifies consistency of loan file information. Identifies risk factors within each loan and utilizes resources, tools and documentation to detect red flags and clear inconsistencies. Reviews and evaluates credit information on mortgage loan documents to determine acceptability for specific loan programs. Determines any conditions, stipulations or pre-funding requirements. Reviews and clears underwriting conditions, stipulations or pre-funding requirements received. Communicates with clients, sales teams and operations teams to resolve outstanding issues as they arise. Assists departmental support staff when necessary. Resolves and responds to post closing credit exceptions received from investors and auditors when required on loans underwritten. Maintains ongoing knowledge of investor guidelines, updates and trends as applicable to underwriting position. Completes second signature underwriting review on loan files underwritten by junior underwriters and within designated authority as needed. A thorough knowledge of mortgage loan underwriting Maintains highly confidential information concerning loan applicants Requires high level of organizational skills and ability to work on several tasks simultaneously Constant contact with Loan Officers and internal office staff Significant coordination of various duties required Office machines such as computer, copiers, fax machines and the telephone Ability to communicate effectively both verbally and in writing Ability to handle detailed assignments What you'll need: Five plus years of FHA mortgage underwriting work experience Paperless Loan Origination System experience preferred. FHA Direct Endorsement designation and/or VA SAR designation highly preferred. DU and LP experience required. Experience working in a paperless environment preferred. Our Company: Carrington Mortgage Services-Wholesale Lending is part of The Carrington Companies. We provide third-party originators, mortgage brokers and financial institutions with access to government and conventional loan programs, as well as low credit score home financing and low down payment options. We hope you'll consider joining our growing team of uniquely talented professionals as we transform residential real estate. To read more visit: **************************** What is the value proposition to joining the team? Increased earning capacity due to access to our 48 state territory. Ability to market faster and more efficiently inside the operation. Superior service levels offered to the broker as you're inside presence ensures every step of the loan process is handled in the most efficient manner possible. Professional account manager's partner with you and your brokers to add value every step of the way. Base pay plus an industry leading commission plan. Take over existing accounts. What We Offer: Comprehensive healthcare plans for you and your family. Plus, a discretionary 401(k) match of 50% of the first 4% of pay contributed. Access to several fitness, restaurant, retail (and more!) discounts through our employee portal. Customized training programs to help you advance your career. Employee referral bonuses so you'll get paid to help Carrington and Vylla grow. Educational Reimbursement. Carrington Charitable Foundation contributes to the community through causes that reflect the interests of Carrington Associates. For more information about Carrington Charitable Foundation, and the organizations and programs, it supports through specific fundraising efforts, please visit: carringtoncf.org.
    $100k-115k yearly Auto-Apply 55d ago
  • Remote W2 Mortgage Underwriter (Salary and Benefits) (Veteran Only)

    Tenth Mountain 3.8company rating

    Remote job

    Position Overview: The Mortgage Underwriter (Veterans Only) is responsible for evaluating and approving mortgage loan applications based on a thorough review of financial information and risk assessment. This role involves ensuring that loans meet all regulatory and company standards while providing exceptional service to veteran clients. The underwriter works under the supervision of a financial institution or mortgage company and focuses on serving the veteran community. This is a salaried position with benefits. Key Responsibilities: Loan Evaluation: Review and analyze mortgage loan applications, including financial statements, credit reports, and property appraisals. Assess the risk and creditworthiness of loan applicants based on company policies and regulatory guidelines. Determine loan eligibility and approve or deny loan applications. Compliance and Risk Assessment: Ensure all loan applications comply with federal, state, and company regulations. Identify and address any discrepancies, issues, or potential risks in loan applications. Work with loan officers and processors to resolve issues and provide guidance on loan requirements. Documentation and Reporting: Maintain accurate and up-to-date records of loan applications, approvals, and denials. Prepare and present reports on underwriting activities and loan performance to management. Ensure all documentation is complete, accurate, and properly filed. Veteran Community Engagement: Act as a liaison between the financial institution and the veteran community. Provide specialized underwriting services and advice tailored to the unique needs of veterans and their families. Participate in events, seminars, and workshops aimed at educating veterans about mortgage options and financial planning. Collaboration and Communication: Collaborate with loan officers, processors, and other team members to facilitate a smooth loan approval process. Communicate loan decisions and conditions clearly to loan officers and clients. Provide feedback and recommendations to improve underwriting processes and policies. Training and Development: Stay informed about industry trends, regulations, and products through ongoing training and professional development. Attend company meetings, training sessions, and seminars as required. Qualifications: Education: Bachelor's degree in finance, business, or a related field is preferred. High school diploma or equivalent is required. Experience: Previous experience in mortgage underwriting, financial services, or a related field is preferred. Military experience is highly valued. Skills: Strong analytical and decision-making abilities. Excellent attention to detail and organizational skills. Proficiency in computer software and systems used in mortgage underwriting. Effective communication and interpersonal skills. Ability to work independently and manage time effectively.
    $58k-98k yearly est. 60d+ ago
  • Senior Underwriter, Remote

    Amwins 4.8company rating

    Remote job

    An Amwins Company Great Point Insurance, the nation's leading Commercial Umbrella Underwriting Facility, offers an exceptional opportunity to join our team as an Senior Underwriter. Our team-oriented culture is at the heart of our operations, where we prioritize the collective success of our staff, evidenced by our average employee tenure of 13 years. This fully remote position allows for flexibility needed to complete the work tasks while balancing life outside of Great Point. You will receive comprehensive training and mentorship, along with a full complement of administrative support, allowing you to focus on what you do best. Our industry-leading compensation package rivals that of the largest insurance carriers, and we offer bonuses based on company performance, emphasizing our commitment to a "we" culture rather than "me." Join us in redefining what it means to be an Underwriter in a supportive and thriving environment! To the qualified candidate we offer: * Compensation includes a competitive starting salary plus an industry-leading bonus plan * Full benefit package including: Medical, Dental, Life, Disability and 401(k) * Collaborative, continuing education focused work environment * Opportunity for advancement * Opportunity for formal sales and leadership training * Generous Paid Time Off (PTO) with Vacation and Personal days The salary range for this position is $110,000 to $145,000, and includes eligibility for performance-based bonuses. Senior Underwriter duties: * Create and manage a profitable book of new and renewal business * Prospect for new business by developing relationships with retail agents through e-mail, phone calls and personal visits * Deliver quotes and binders to retail agents * Remain up to date with new insurance companies' offers and how to leverage them * Prospect for new business markets and / or lines to write * Mentor and train new team members * Assist in the day-to-day operations as required Underwriting Team Lead requirements: * 3 - 5 years carrier or agency commercial lines underwriting experience
    $110k-145k yearly 34d ago
  • Senior Underwriter | Workers' Compensation Insurance

    Employers Holdings, Inc.

    Remote job

    Senior Underwriter - Workers' Compensation Insurance | 100% Remote (WFH) Salary Range: $70,000 - $100,000 + Comprehensive Benefits- check the link below Are you a seasoned Workers' Compensation Underwriter ready to take your career to the next level? EMPLOYERS, America's small business work comp specialist, is looking for a Senior Underwriter who thrives in a fast-paced, collaborative environment and is passionate about delivering exceptional service. This is a fully remote opportunity-work from the comfort of your home while making a real impact! What You'll Do * Underwrite exclusively Workers' Compensation Insurance-no other product lines. * Manage new and renewal accounts for assigned agents and producers. * Apply solid risk analysis, pricing strategies, and compliance with state filings and corporate guidelines. * Build and maintain strong agency relationships in partnership with our Sales Team. * Serve as a technical expert and mentor, supporting leadership with audits and team development. * Contribute to strategic business planning and organizational projects. What We're Looking For * Must have at least 6 years of Workers' Compensation underwriting experience (preferably with a carrier). * Proven ability to analyze risk, negotiate effectively, and make sound underwriting decisions. * Strong communication, organizational, and time management skills. * Proficiency in Microsoft Office Suite. * Bachelor's degree required. Why Join Us? * 100% Remote - Work from anywhere in the U.S. (must be eligible to work without sponsorship). * Competitive salary range: $70,000 - $100,000. * Comprehensive benefits package: ********************************************************* * Be part of a company that values Integrity, Customer Focus, Collaboration, Initiative, Accountability, Innovation, and Personal Fulfillment. * Opportunity to grow your career with a dynamic, nationwide leader in Workers' Compensation insurance. Ready to make an impact? Apply today and join a team that's redefining success in Workers' Compensation underwriting.
    $70k-100k yearly 4d ago
  • Mortgage Underwriter (100% Remote)

    Teksystems 4.4company rating

    Remote job

    This role plays a critical part in evaluating loan applications, ensuring compliance, and driving quality underwriting decisions. With multiple openings available, we are looking for strong, dedicated professionals who are eager to contribute long-term. + Loan Underwriting: Review and assess files submitted by broker clients, ensuring compliance with FHA, VA, and conventional lending guidelines. + Approval Process: Work closely with the loan structure and precision income teams to finalize approvals. + Credit Reviews: Perform thorough credit analysis and processing final approval files daily (subject to volume). + Compliance & Risk Assessment: Ensure loans meet investor guidelines (FHA UW, HUD UW, VA UW, VA IRRL, VA SAR, TrumsID Registration) and adhere to quality control standards. Additional Skills & Qualifications Minimum 3 year of frontline originations underwriting experience (Any loss mitigation or servicing underwriters will be disqualified) Strong understanding of FHA, VA, and conventional loan underwriting.. Experience with Encompass and proficiency in Excel preferred. Experience with FHA, HUD, VA, VA IRRL, VA SAR, TrumsID Registration preferred #westpriority25 Job Type & Location This is a Contract to Hire position based out of Plano, TX. Pay and Benefits The pay range for this position is $33.65 - $36.06/hr. Eligibility requirements apply to some benefits and may depend on your job classification and length of employment. Benefits are subject to change and may be subject to specific elections, plan, or program terms. If eligible, the benefits available for this temporary role may include the following: - Medical, dental & vision - Critical Illness, Accident, and Hospital - 401(k) Retirement Plan - Pre-tax and Roth post-tax contributions available - Life Insurance (Voluntary Life & AD&D for the employee and dependents) - Short and long-term disability - Health Spending Account (HSA) - Transportation benefits - Employee Assistance Program - Time Off/Leave (PTO, Vacation or Sick Leave) Workplace Type This is a fully remote position. Application Deadline This position is anticipated to close on Dec 25, 2025. h4>About TEKsystems: We're partners in transformation. We help clients activate ideas and solutions to take advantage of a new world of opportunity. We are a team of 80,000 strong, working with over 6,000 clients, including 80% of the Fortune 500, across North America, Europe and Asia. As an industry leader in Full-Stack Technology Services, Talent Services, and real-world application, we work with progressive leaders to drive change. That's the power of true partnership. TEKsystems is an Allegis Group company. The company is an equal opportunity employer and will consider all applications without regards to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law. About TEKsystems and TEKsystems Global Services We're a leading provider of business and technology services. We accelerate business transformation for our customers. Our expertise in strategy, design, execution and operations unlocks business value through a range of solutions. We're a team of 80,000 strong, working with over 6,000 customers, including 80% of the Fortune 500 across North America, Europe and Asia, who partner with us for our scale, full-stack capabilities and speed. We're strategic thinkers, hands-on collaborators, helping customers capitalize on change and master the momentum of technology. We're building tomorrow by delivering business outcomes and making positive impacts in our global communities. TEKsystems and TEKsystems Global Services are Allegis Group companies. Learn more at TEKsystems.com. The company is an equal opportunity employer and will consider all applications without regard to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law.
    $33.7-36.1 hourly 4d ago
  • Mortgage Underwriter

    Equity Resources 4.0company rating

    Remote job

    Are you an experienced mortgage underwriter who's been searching for a great company that's family owned, that recognizes your contributions, and has a philosophy of no layoffs during the down-season? A company whose goal and purpose is to Improve the Lives of Families? Take a look at Equity Resources! We are a fun and friendly environment where we work together to meet our daily goals. Why you'll love working here * Candidates local to Central Ohio will be asked to work a structured hybrid schedule and can enjoy our corporate office in Newark's historic downtown square. (Remote work is available for candidates located outside of Central Ohio). * Choose from flexible hours: 8:30 AM - 5:00 PM with a 30-minute lunch, or 8 AM - 5 PM / 8:30 AM - 5:30 PM with a 1-hour lunch. * Generous PTO, 10 paid holidays, plus a day off for your birthday! * Full benefits package (including pet insurance!) first of the month after your first 30 days. * 401(k) option with a generous company match -helping you grow your retirement savings faster. * Earn extra cash through our referral programs, $500 for each borrower you refer, and up to $5,000 for referring an experienced Loan Officer. * Join a stable, employee-focused company that's been growing since 1993. Requirements * Bachelor's Degree in Business, Finance, or related field preferred (or equivalent combination of education and experience); minimum HS diploma or equivalent. * Minimum of 2 years' DE Underwriting experience with conventional and FHA loans; USDA/VA experience a plus. * Proficient in Microsoft Word, Excel, and Outlook; experience with an electronic mortgage processing systems required (Encompass preferred). * Excellent written and verbal communication and customer service skills; able to interact professionally with employees, vendors, and lenders. * Ability to comprehend and follow complex written and oral instructions. * Work independently with minimal supervision, applying sound judgment and attention to detail. * Ability to manage high-stress situations and work overtime as needed. What your day will look like The primary functions of the Underwriter are to approve saleable loans with the information provided by the next day; underwrite all loans under FNMA, FHLMC, and FHA (may include USDA & VA) loan programs and maintain knowledge of investor programs and overlays and communicate any changes to staff. The following duties would be applicable: * Monitor pipeline daily and self-assigned preapprovals. * Make underwriting decisions based on risk assessment, taking into consideration the 4 C's of underwriting: Capacity, Credit, Collateral, and Cash. * Deliver high-quality service with 24-hour turn times and timely updates to Mortgage Specialists. * Maintain knowledge of investor overlays and expertise in FNMA, FHLMC, and FHA. Knowledge in USDA & VA loan programs is preferred but not required. * Analyze and report loan quality issues and monitor corrective actions. * Uphold strict fraud prevention, confidentiality and ethical standards set by Equity Resources. * Adapt to changing circumstances and adjusting daily priorities as needed. * Assist other Underwriters with daily volume. * Perform additional duties as needed to support team and company goals. About Us Equity Resources, Inc. is a privately owned and operated mortgage company headquartered in Newark, Ohio. We are licensed in 21 states, including Washington D.C., and operate branch offices in many of those locations. Our vision and purpose at Equity Resources, Inc. is quite simply to Improve the Lives of Families. We pride ourselves in creating Raving Fans of our customers AND our employees. We are celebrating our 32nd year in business and are continuing to grow! Come join our team! Equity Resources offers a comprehensive total compensation and benefits package that includes medical, dental, and vision insurance; 401(k); company-paid life insurance; and much more! Equity Resources is an equal opportunity employer. It does not discriminate against applicants or employees on the basis of race, color, religion, creed, national origin, ancestry, disability that can be reasonably accommodated without undue hardship, sex, sexual orientation, gender identity, age, citizenship, marital or veteran status, or any other legally protected status.
    $53k-84k yearly est. 30d ago
  • Senior Marketing Underwriter - Program Business (Commercial P&C) (Remote)

    Amerisure Mutual Insurance Co 4.8company rating

    Remote job

    Amerisure creates exceptional value for its partners, policyholders, and employees. As a property and casualty insurance company, Amerisure's promise to our partner agencies and policyholders begins with a comprehensive line of insurance products designed to protect businesses, as well as the health and safety of every employee. With an A.M. Best "A" (Excellent) rating, Amerisure serves mid-sized commercial enterprises focused in construction, manufacturing and healthcare. Ranked as one of the top 100 Property & Casualty companies in the United States, we proudly manage nearly $1 Billion of Direct Written Premium and maintain $1.21 billion in surplus. We are recruiting for a Senior Marketing Underwriter, Program Business to join our team. This role can sit remote from most locations across the U.S. Position Summary: Market, evaluate and price products and services for program business within Amerisure target classes. Serve as an agency contact and service coordinator for assigned agents or as a partner with other underwriters to service their accounts. Responsibilities: * Market, evaluate and price products and services for program business within Amerisure target classes of business. * Assist in setting and executing annual business plans for achieving established operational plan targets for written premium, loss ratio, product retention, pricing and coordination of service. * On a quarterly basis, evaluate book performance, communicating profit levels of Program, identifying areas needing improvement and creating plans to address shortfalls. * Order and screen miscellaneous reports in the rating and underwriting process such as Motor Vehicle Reports (MVRs), loss runs, credit scores, loss control inspections, etc. * Participate in agency visits and in servicing the agency relationship, facilitating communication between the agency and Amerisure service team to obtain information necessary for screenings, transactions, resolving policy and billing issues, etc. * Collaborate with service team including claims and risk management to support and advance the program business strategy, ensuring adherence to the service model and promoting a strong customer service focus. * Collaborate with Corporate Underwriting to ensure establishment of best underwriting practices that align with the overall strategy and performance of program business in addition to the performance of Amerisure as a whole. * Collaborate with Reinsurance team to ensure program business has proper reinsurance capacity and may include identifying effective evaluation of concentration of values and catastrophic exposures. Also, when necessary, establish quota share agreements to protect bottom line and provide needed Umbrella capacity. * Identify ongoing product needs and collaborate with appropriate product and actuary resources for implementation of same. Requirements: * Bachelor's degree or equivalent work-related experience. * Minimum 5 years of multi-line commercial middle market underwriting experience. * CPCU designation preferred. * Proficient computer skills required including Microsoft Office Suite. * Demonstrated successful ability to build positive relationships and partnerships within department, across the organization and with external customers. * Excellent verbal and written communication skills. * Good problem-solving skills and attention to detail. * Ability to lead discussions, perform quarterly review of program business, and build and conduct presentations. * Strong financial, data, and analytical acumen including ability to interpret and analyze program business data at a portfolio level including identifying trends and areas for improvement. * Must have a valid driver's license and a clean driving record. * Ability to travel within assigned area (minimum 1 agency visit and 1 program-related event annually; 1 team meeting per quarter). #LI-CR1 #LI-Remote Just as we are committed to creating exceptional value for our Partners For Success agencies and policyholders, Amerisure also remains committed to being an employer of choice. We reinforce this commitment by adhering to an Employee Value Proposition that, in part, is provided through a competitive total rewards package. This package includes competitive base pay, performance-based incentive pay, comprehensive health and welfare benefits, a 401(k) savings plan with profit sharing, and generous paid time off programs. We also offer flexible work arrangements to promote work-life balance. Recognized as one of the Best and Brightest Companies to Work For in the Nation and one of Business Insurance magazine's Best Places to Work in Insurance, we provide a workplace that fosters excellence and professional growth. If you are looking for a collaborative and rewarding career, Amerisure is looking for you. Amerisure Insurance provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability or genetics. In addition to federal law requirements, Amerisure Insurance complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities. This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training. Amerisure Insurance expressly prohibits any form of workplace harassment based on race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, genetic information, disability, or veteran status. Improper interference with the ability of Amerisure's employees to perform their job duties may result in discipline up to and including discharge.
    $75k-114k yearly est. Auto-Apply 40d ago
  • Sr. Stop Loss Captive Underwriter

    Berkley 4.3company rating

    Remote job

    Company Details Berkley Accident and Health is a risk management company that designs innovative solutions to address the unique challenges of each client. With our entrepreneurial culture and a strong emphasis on analytics, we can help employers better manage their risk. We offer a broad range of products, including employer stop loss, benefit captives, provider stop loss, HMO reinsurance, and specialty accident. The key to Berkley's success is our nimble approach to risk - our ability to quickly understand, think through, and devise a plan that addresses each client's challenges, coupled with the strong backing of a Fortune 500 company. Our parent company, W. R. Berkley Corporation, is one of the largest and best managed property/casualty insurers in the United States. This position can either be fully remote (if not within commutable distance to the office) or based in our Hamilton, NJ office which offers a hybrid work schedule with 4 days in the office; and 1 day remote where it makes sense to do so. #LI-AV1 #LI-Remote The company is an equal employment opportunity employer. Responsibilities As a Sr. Stop Loss Underwriter focused on our Captives business, you'll be given the autonomy to manage your own workload with a sense of urgency around quote deadlines and production targets. We'll count on you to seek profitable growth of the company's portfolio of stop loss business by analyzing and selecting risks based on qualified underwriting criteria that adhere to the company's established underwriting guidelines. What you can expect: Culture of innovation, teamwork, supportive colleagues and leaders willing to invest in talent Internal mobility opportunities Visibility to senior leaders and partnership with cross functional teams Opportunity to impact change Benefits - competitive compensation, paid time off, comprehensive wellness benefits and programs, employer funded health savings account, profit sharing, 401k, paid parental leave, employee stock purchase plan, tuition assistance and professional continuing education Key functions include but are not limited to: Write and retain profitable stop loss cases adhering to the company's guidelines and within assigned letter of authority Establish the basics of medical underwriting by training with and learning from the Company's internal Clinical Underwriting staff Properly complete and clearly articulate thought process around risk selection and pricing for efficient reviews with underwriting management and clinical staff Become acquainted with target production sources as well as Sales and Account Management teams and begin establishing your own relationships using effective forms of communication Accurately document underwriting thought process and authority reviews through company journal and filing system Collaborate with underwriting management to review more complex cases requiring a higher degree of underwriting authority Qualifications Bachelor's Degree or equivalent experience 7+ years of progressive Stop Loss Underwriting experience or equivalent combination of education and experience A basic understanding of stop loss market dynamics, risk management strategies, and a strong desire to stay ahead of emerging risks in the market A basic skillset in the areas of math, communication and negotiation, with a strong desire to grow these skillsets under the direction and training of more seasoned staff Strong time management skills and self-discipline to effectively manage a large case load volume during peak production cycles Proficiency in Microsoft applications including Word, Excel and Outlook Experience with David Young System (preferred, not required) Must exhibit professional behavior at all times while representing or being identified as an employee of the company Establish and maintain positive working relationships with all operational areas, management and staff to further the company's mission Strong consulting and interpersonal skills with an ability to interact with brokers, clients and service vendors Additional Company Details We do not accept any unsolicited resumes from external recruiting firms. The company offers a competitive compensation plan and robust benefits package for full time regular employees including: • Base Salary Range: $110,000 - $125,000 • Eligible to participate in annual discretionary bonus • Benefits include: Health, dental, vision, dental, life, disability, wellness, paid time off, 401(k) and profit-sharing plans The actual salary for this position will be determined by a number of factors, including the scope, complexity and location of the role; the skills, education, training, credentials and experience of the candidate; and other conditions of employment. Sponsorship Details Sponsorship not Offered for this Role Job Description BAH Sr.. Underwriter Not ready to apply? Connect with us for general consideration.
    $110k-125k yearly Auto-Apply 14d ago
  • Senior Underwriter

    Resicentral

    Remote job

    Are you a mortgage underwriting pro who thrives on precision, loves solving complex loan puzzles, and enjoys being the go-to expert for all things compliance? At ResiCentral , we're looking for a sharp, detail-obsessed Senior Underwriter to join our team and help us deliver top-tier service across a wide range of loan products. If you're ready to take ownership of your pipeline, collaborate with awesome teammates, and make confident credit decisions that keep things moving-this might just be your next great move! Job Summary Responsible for ensuring the quality and integrity of underwriting decisions and processes as well as providing exceptional service to all stakeholders involved. This requires extensive knowledge of our underwriting guidelines including agency, jumbo, and possible government loans and the ability to address complex loan scenarios. The role requires the ability to manage a pipeline of loans assigned each day proactively and effectively while maintaining SLAs on all job tasks. In addition, the ability to communicate underwriting decisions and needed documentation to Sales and Broker Clients accurately and clearly. Duties/Responsibilities Reasonable accommodations may be made to enable individuals with disabilities to perform these essential functions. Underwrite a wide range of mortgage loans, including Agency (FNMA/FHLMC) and Non-Agency (Jumbo, Non-QM) products. Proactively manage an assigned loan pipeline with full ownership and accountability. Review all loan documentation for accuracy, completeness, and compliance with company and investor guidelines. Perform comprehensive mortgage credit analysis-both with and without automated underwriting systems (DU/LPA)-to determine borrower eligibility. This includes reviewing credit packages, verifying income and assets, calculating borrower investment, analyzing credit history, and assessing housing and debt obligations. Analyze supporting documents such as credit reports, income documentation, asset statements, appraisals, and title reports to evaluate overall loan risk. Identify and request missing documentation needed to complete underwriting decisions, ensuring requests are clear, concise, and prescriptive. Ensure loans meet underwriting standards, investor guidelines and regulatory requirements (e.g., TRID, RESPA, TILA). Assess borrower risk, property valuation, and potential fraud indicators; recommend conditions or alternative structures as needed to mitigate risk. Deliver clear, timely, and professional communication of underwriting decisions, conditions, and documentation requirements to Sales, Brokers, and other stakeholders. Partner with Operations, Sales, and Clients to promote ResiCentral's underwriting philosophy and provide education when needed. Develop expertise in ResiCentral's proprietary software and internal technology platforms to streamline workflow and decisioning. Required Skills/Abilities Expert-level knowledge of Agency (FNMA/FHLMC) and Non-Agency (Jumbo, Non-QM) guidelines. Proficiency with automated underwriting systems (DU and LPA) and advanced capability in manual underwriting for Jumbo and Non-QM loans. Proven ability to analyze and resolve complex loan scenarios with accuracy and sound judgment Highly motivated self-starter with strong ethics, accountability and professionalism. Ability to thrive in a fast-paced, high-pressure environment while maintaining precision and meeting deadlines. Strong collaboration skills with the ability to work independently when required. Excellent written and verbal communication skills, with the ability to clearly explain underwriting decisions to both internal teams and external partners. Exceptional attention to detail and unwavering commitment to compliance and accuracy. Dedicated to providing best-in-class client service, consistently upholding ResiCentral's standards and values. Physical Requirements Prolonged periods sitting at a desk and working on a computer. Travel Required None Education and Experience High school diploma or GED required. BA or BS highly desired. 7+ years of mortgage experience required. 5+ years of experience underwriting both Agencies (FNMA/FHLMC) and Non-Agency (Jumbo, NQM) loan products required. 4+ years of experience reviewing appraisal required. Encompass LOS experience required. FHA Direct Endorsement (DE) and/or VA LAPP/SAR designation desired. Other Duties Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.
    $54k-87k yearly est. Auto-Apply 40d ago
  • Senior Production Underwriter

    Amynta Group

    Remote job

    We're thrilled that you are interested in joining us here at the Amynta Group! The Senior Production Underwriter is responsible for underwriting and marketing accounts throughout approved states/territories. The Production Underwriter is a key part of the production underwriting capabilities of Amynta Dealer Solutions. The Production underwriter will own the results of their book of business and will engage in activities tied to risk selection and to customer service. ESSENTIAL JOB DUTIES AND RESPONSIBILITIES Production underwriter owns the results of their book of business and will be compensated on annual and long term profitability. A production underwriter maintains balance between distribution and risk selection to drive profitable growth. A production underwriter understands how their book fits in to the broader portfolio strategy. A production underwriter has agent/broker relationships. Engage in activities to generate submissions Maintain and lead the relationship with their assigned agents. Engage in activities to close accounts Relationship Management Work with key internal stakeholders to develop and maintain product-specific business development plans identifying, segmenting, detailing and evaluating potential broker and agent prospects, and executing such plan to ensure that Amynta generates targeted levels of growth and ‘hit' ratios in this market. Lead in the education of the broker market on the products in a way that creates a need to buy, highlights our competitive differentiation, illustrate the need for service led products to grow the brand and facilitate the placement of new business with Beazley with a particular focus on new relationships. Raise the profile of Amynta Dealer Solutions within the broker community increasing the strength of relationships within the broker market to achieve a highly productive level of consistent, strong producer relationships over time. Track metrics around broker engagements maintaining actions and follow ups from visits and share client and broker feedback on product with key stakeholders in a structured manner. Ensure we remain front of mind of brokers by planning and engaging in regular virtual/face-to-face meetings while acting as a contact point for broker queries and product education engaging in appropriate communication via social media. Underwriting Develop and underwrite a profitable portfolio in support of business plans. Structure tailor-made solutions by considering the team underwriting parameters and underwriting exposures leveraging underwriting knowledge and experience to win new business and retain existing. Monitor premiums, costs and claims ratios per contract and take corrective measures if necessary to ensure long term profitability at account level. Evaluate appropriate risk premium by considering the risk costs, reinsurance cessions, capital exposure as well as the underwriting and general administration costs to ensure profitability. Comply with underwriting control standards for business written through delegated authority. Additional Responsibilities Engage with all levels of leadership to solve problems Assist in development of internal and external materials Support business unit leadership with presentations and special projects as Centers of Expertise or as assigned. BASIC AND PREFERRED QUALIFICATIONS (EDUCATION AND EXPERIENCE) Production Underwriter: Bachelor's Degree or 2+ years of commercial underwriting experience or equivalent work experience. Proven sales results and client service experience Knowledge of underwriting philosophy, processes, and practice Extensive experience in the insurance industry ideally within an underwriting, broking, relationship management or sales role Strong analytical skills and critical thinking skills with great attention to details Individually accountable Effective relationship management skills with customer focused approach Ability to develop tactical underwriting plan and execute on its implementation Active listening and emotional intelligence Ability to work independently for significant periods of time Strong business development and communication skills Proficient with MS Office including Excel skills Able to communicate effectively with others, both verbally and in writing Ability to manage time, meet deadlines, and prioritize to meet sales target Property & Casualty Agent's license in residing state, or willingness to obtain CPCU, AU-M, CIC designations a plus Willingness & ability to travel for agency visits, industry functions, training and seminars. Continuing education to maintain necessary credentials Problem solving focused, self-motivated, flexible and enthusiastic MINIMUM JOB SKILLS, ABILITIES AND QUALIFICATIONS The Amynta Group (the “Company”) is committed to a policy of Equal Employment Opportunity and will not discriminate against an applicant or employee on the basis of any ground of discrimination protected by applicable human rights legislation. The information collected is solely used to determine suitability for employment, verify identity and maintain employment statistics on applicants. Applicants with disabilities may be entitled to reasonable accommodation throughout the recruitment process in accordance with applicable human rights and accessibility legislation. A reasonable accommodation is an adjustment to processes, procedures, methods of conveying information and/or the physical environment, which may include the provision of additional support, in order to remove barriers a candidate may face during recruitment such that each candidate has an equal employment opportunity. The Company will accommodate a candidate to the point of undue hardship. Please inform the Company's personnel representative if you require any accommodation in the application process.
    $54k-87k yearly est. Auto-Apply 60d+ ago
  • Income Specialist/Jr. Underwriter (REMOTE)

    Insight Global

    Remote job

    We are seeking a detail-oriented Income Specialist to join our team. This role is responsible for accurately calculating borrower income across multiple loan programs, ensuring compliance with agency guidelines and internal standards. The ideal candidate will have strong analytical skills and experience in mortgage underwriting processes. Key Responsibilities - Calculate and verify borrower income for various loan products, including: Fannie Mae (FNMA) Freddie Mac (FHLMC) FHA VA - Review income documentation to ensure accuracy and completeness. - Apply agency-specific guidelines and internal policies to determine qualifying income. - Collaborate with underwriting and processing teams to resolve income-related issues. - Maintain up-to-date knowledge of investor and agency requirements. Provide clear documentation and rationale for income calculations. This is a fully remote role. We are a company committed to creating diverse and inclusive environments where people can bring their full, authentic selves to work every day. We are an equal opportunity/affirmative action employer that believes everyone matters. Qualified candidates will receive consideration for employment regardless of their race, color, ethnicity, religion, sex (including pregnancy), sexual orientation, gender identity and expression, marital status, national origin, ancestry, genetic factors, age, disability, protected veteran status, military or uniformed service member status, or any other status or characteristic protected by applicable laws, regulations, and ordinances. If you need assistance and/or a reasonable accommodation due to a disability during the application or recruiting process, please send a request to ********************.To learn more about how we collect, keep, and process your private information, please review Insight Global's Workforce Privacy Policy: **************************************************** Skills and Requirements Proven experience in income analysis for FNMA, FHLMC, FHA, and VA loan programs. Strong understanding of agency guidelines and mortgage documentation. Proficiency in Encompass loan origination software.
    $42k-70k yearly est. 10d ago
  • Reverse Mortgage Underwriter - Remote Opportunity

    Summithr

    Remote job

    The HECM (Reverse) Underwriter position underwrites residential loans ensuring compliance with appropriate company, secondary market Investor standards, and all applicable laws. Examines loan documentation for accuracy and completeness. Partners with Loan Originators, Branch Managers and Processors to secure all required documents. Essential Job Functions-Description: Follows prescribed guidelines, receives and reviews loan applications and associated documentation to ensure thoroughness and accuracy according to HECM guidelines, policies and procedures Maintains acceptable turn times for initial decisions and condition reviews in accordance with Department expectations Interacts with Quality Control, Compliance, and Funding for problem resolution, risk evaluation and compliance concerns Develops and maintains sound knowledge of HECM product guidelines offered by the company, and risk assessment tools Reworks loans to new terms, identifies additional conditions as needed to insure a viable credit decision Reviews and evaluates borrower(s) profile including but not limited to all income documentation, tax returns, credit reports, preliminary report, judgments, bankruptcy documents and appraisals and ensures all necessary documentation is requested to support final loan decisions Demonstrates proficiency in manual underwriting policies and procedures Maintains a sound knowledge of secondary market activity, practices, and business/industry practices as they impact underwriting quality and origination activity Communicates and maintains good relationships with loan originators, management, processor Demonstrated experience with MS Office products Experience Required: 3+ years of Residential Loan underwriting experience DE certification and recent FHA underwriting experience preferred Solid knowledge and understanding of FHA/HECM policies and procedures Solid knowledge and understanding of various fraud tools Demonstrated experience working in a fast paced and changing environment Demonstrated experience effectively managing relationships with internal and external partners Prior mortgage processing experiencer preferred Demonstrated experience with repurchase response and/or rebuttal review and response preparation Demonstrated experience reporting, analyzing, interpreting, and critical thinking Information: Not part of the job description Physical Environment: This position is primarily a remote position. Access to a quiet space at home and reliable internet is required. Travel: Local travel may be required for company or career-related meetings, programs and/or events. To see new and updated job postings and job postings similar to this, please follow us on LinkedIn: *****************************************
    $45k-67k yearly est. 60d+ ago
  • Conventional Mortgage Underwriter (Remote)

    Mela Capital; Group

    Remote job

    Specializing in third party underwriting, quality control and forensic examination of all mortgage and securitization loan, portfolio and contract audits, including operational risk and quality control policy development. Agency (FNMA/FHLMC/FHA/VA), legal, foreclosure and repurchase defense reporting and expert witness testimony. Expert experience in Mortgage Backed Securities agreements and Seller/Purchaser reps and warrants contracts; Underwriting guideline gap analysis; Valuation and historic appraisal forensic fraud investigation and support. Job Description Remote Conventional Mortgage Underwriter If you are a Remote Conventional Mortgage Underwriter with experience, please read on! Top Reasons to Work with Us We are a retailer seeking all Remote Mortgage Underwriters. We're here to keep the dream of home ownership alive. Currently, we are seeking long-term underwriters to stay with us for the next decade to come. With exponential benefits, a culture that fits the kindest and hardest working, your contribution will be valued within our firm. There is opportunity to grow and since we're middle-sized, your growth will start immediately. What You Will Be Doing - Perform a thorough analysis to ensure the quality of each loan and to determine compliance with Company and Investor guidelines. - Perform a thorough analysis of collateral to ensure property meets investor guidelines and the appraisal quality and completeness is acceptable. - Apply and interpret company underwriting guidelines and makes sound credit decision. - Complete credit, analysis of income, analysis of property, ensures proper audits are completed and verifies consistency of loan file information. - Identify risk factors within each loan and utilizes resources, tools and documentation to detect red flags and clear inconsistencies. - Review and evaluate credit information on mortgage loan documents to determine acceptability for specific loan programs. - Determine any conditions, stipulations or pre-funding requirements. - Maintain ongoing knowledge of investor guidelines, updates and trends as applicable to underwriting position. - Complete second signature underwriting review on loan files underwritten by junior underwriters and within designated authority as needed. - Possess excellent computer skills and working knowledge of Microsoft Office products. What You Need for this Position - 4+ years of Conventional mortgage underwriting experience. - DU and LP experience required - FHA DE/ Direct Endorsement designation are a plus - VA SAR designation experience preferred but not required - Experience with Encompass preferred So, if you are a Remote Conventional Mortgage Underwriter with experience, please apply today! - Applicants must be authorized to work in the U.S. Qualifications What You Need for this Position - 4+ years of Conventional mortgage underwriting experience. - DU and LP experience required - FHA DE/ Direct Endorsement designation are a plus - VA SAR designation experience preferred but not required - Experience with Encompass preferred So, if you are a Remote Conventional Mortgage Underwriter with experience, please apply today! - Applicants must be authorized to work in the U.S. Additional Information Applicants must be authorized to work in the U.S. All your information will be kept confidential according to EEO guidelines.
    $39k-69k yearly est. 10h ago
  • Remote Mortgage Underwriter (DE/VA both designations required)

    National Mortgage Staffing 3.9company rating

    Remote job

    An established mortgage banker is seeking an experienced DE/VA Mortgage Underwriter to join its team. Please note both designations are required for consideration. We're looking for a collaborative underwriter who thrives on engaging with the origination team and is comfortable picking up the phone to ensure clear communication and accurate loan decisions. Responsibilities Evaluate mortgage loan applications to ensure compliance with company policies and federal/state regulations Analyze borrower financials, credit reports, and property appraisals to determine eligibility Assess risk and provide thorough loan decisions with clear explanations and conditions Collaborate closely with processors, loan officers, and stakeholders to resolve questions and expedite the process Stay up-to-date with industry trends, guidelines, and best practices Qualifications Active DE and VA underwriting certification required Must have used DE and VA designation within the last 11 months Minimum 5 years of residential mortgage underwriting experience Proven history of longevity in prior roles (average tenure, no frequent job changes) Strong understanding of FHA, VA, Conventional, Non-QM, and Jumbo products Experience with Encompass strongly preferred Excellent analytical, organizational, and problem-solving skills Strong communication skills and ability to collaborate effectively in a team environment Compensation & Benefits Salary: $85,000 - $100,000 per year Full benefits package including: Medical, Dental, Vision, Life Insurance 401(k) with employer contribution Paid vacation and sick time Please note that National Mortgage Staffing does not determine the salary, requirements, or qualifications for this role. We are contractually required to follow the criteria set forth by our clients. Thank you for your interest! If your background aligns with our clients needs, one of our Recruiters will reach out. Please Check your spam folder and voicemail for messages from our recruiters. Unfortunately due to high volumes of applicants, we may not be able to respond to those who are not a fit. If you do not hear from us regarding this application, please know we do appreciate your interest and encourage you to continue to keep an eye on our website for new opportunities.
    $85k-100k yearly 60d+ ago
  • Senior Underwriter

    Crosscountry Mortgage 4.1company rating

    Remote job

    CrossCountry Mortgage (CCM) is the nation's number one distributed retail mortgage lender with more than 7,000 employees operating over 700 branches and servicing loans across all 50 states, D.C. and Puerto Rico. Our company has been recognized ten times on the Inc. 5000 list of America's fastest-growing private businesses and has received many awards for our standout culture. A culture where you can grow! CCM has created an exceptional culture driving employee engagement, exceeding employee expectations, and directly impacting company success. At our core, our entrepreneurial spirit empowers every employee to be who they are to help us move forward together. You'll get unwavering support from all departments and total transparency from the top down. CCM offers eligible employees a competitive compensation plan and a robust benefits package, including medical, dental, vision, as well as a 401K. We also offer company-provided short-term disability, an employee assistance program, and a wellness program. Position Overview: The Senior Underwriter is responsible for underwriting and clearing conditions for Agency and/or Non-Agency loans. The Senior Underwriter communicates all mortgage loan guidelines to Loan Processors and Loan Officers. Job Responsibilities: Maintain a pipeline within the company's standards: 24-hour turn-around time for final underwrite and 48-hour turn-around time for upfront. Analyze and access risk for initial credit decision based on company checklists, internal guides, Agency guides and Investor guides. Communicate errors and missing information to processor via email and/or telephone. Adjust condition sheet in Encompass with applicable conditions. Review resubmission as items are gathered and submitted by the processor. Issue final approval uploading all necessary approval documentation into Encompass with appropriate signatures. Collaborate with internal departments on any stipulations for closed files. Maintain a high level of confidentiality. Qualifications and Skills: Bachelor's degree and/or equivalent combination of education/experience. SAR and/or DE, preferred. Minimum 5 years of mortgage underwriter experience, preferred. Working knowledge of mortgage banking software, mortgage underwriting, loans, purchase, and refinance transactions. Experience Underwriting USDA and Bond programs, a plus. Excellent customer service, communication, problem-solving, and time management skills. This is intended to convey information essential to understanding the scope of the job and the general nature and level of work performed by job holders within this job. However, this job description is not intended to be an exhaustive list of qualifications, skills, efforts, duties, responsibilities or working conditions associated with the position. Pay Range: Hourly Rate: 43.26 - 48.07 Bonus Eligible if applicable The posted pay range considers a wide range of compensation factors, including candidate background, experience and work location, while also allowing for salary growth within the position . #LI-CCMREC CrossCountry Mortgage, LLC offers MORE than a job, we offer a career. Apply now to begin your path to success! careersatccm.com CrossCountry Mortgage, LLC strives to provide employees with a robust benefit package: ********************************** California residents: Please see CrossCountry's privacy statement for information about how CrossCountry collects and uses personal information about California applicants. CrossCountry Mortgage supports equal employment opportunity in hiring, development and advancement for all qualified persons without regard to race, color, religion, religious creed, national origin, age, physical or mental disability, ancestry, marital status, uniformed service, covered veteran status, citizenship status, sex (including pregnancy, childbirth, and related medical conditions, and lactation), sexual orientation, gender identity, gender expression, transgender status, domestic violence victim status (where applicable), protected hair style or texture, genetic information (testing or characteristics), or any other protected status of an individual or because of the individual's association with a member of a protected group or any other characteristic protected by federal, state, or local law (“Protected Characteristics”). The collective sum of the individual differences, life experiences, knowledge, inventiveness, innovation, self-expression, unique capabilities and talent that our employees invest in their work represents a significant part of not only our culture, but our reputation. The Company is committed to fostering, cultivating and preserving a culture that welcomes diversity and inclusion. CrossCountry Mortgage, LLC (NMLS3029) is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. To verify licensing, please visit ***************************
    $56k-76k yearly est. Auto-Apply 27d ago
  • Mortgage Senior Underwriter (Remote)

    Ameris Bancorp 4.8company rating

    Remote job

    Responsible for assisting with the operational duties in a Retail Mortgage Underwriting, while also contributing to the department productivity, loan quality, and efficiencies. Performs other projects and duties as assigned. Essential Functions, Duties, and Responsibilities: * Underwrite Conventional, Government, Jumbo and Portfolio loan products as assigned, and maintaining acceptable productivity and loan quality levels. * Assist the Branch Manager and Pipeline Manager in prioritizing loan assignments and the branch underwriters' workload. * Provide Underwriting and Operations Senior Management with relevant issues and challenges regarding capacity, productivity, morale, and suggestions for improvement. * Attend monthly calls with the Underwriting Management to discuss and resolve any staff related issues, as scheduled. * Assist with mentoring and training new underwriters as directed. * Assist underwriters with difficult loan files and serve as a point of escalation and mentor for questions regarding guidelines, loan level issues and direction. * Communicate effectively with the Mortgage Branch Manager, Processing Manager, Loan Officers, and Senior Management. * Complete 2nd Level Reviews for Underwriters as necessary per product type and company policy; includes reviews of loans for newly hired underwriters. * Attend meetings as directed by Underwriting Management. * Review of portfolio loan products and submission to the Bank's credit risk department for consideration. Required Knowledge, Skills and Competencies: * Strong working knowledge of FMLC, FHA, FNMA, SAR, VA and other investor guidelines. * Strong computer skills and ability to work in a paper-less environment. * Strong time management and follow-up skills. Industry and Work Experience: * 5 years Mortgage Underwriting experience required. Academic: * High school diploma or GED required. * Bachelor's degree preferred.
    $40k-52k yearly est. 14d ago
  • Mortgage Underwriter I - REMOTE

    Quorum Federal Credit Union 4.3company rating

    Remote job

    Who is Quorum At Quorum Federal Credit Union, we are a cutting-edge credit union that operates as a technology company, delivering innovative financial solutions to our members. As a remote organization, we thrive on collaboration and recognize outstanding performance. We are the ideal workplace for self-motivated individuals who are committed to organizational success and eager to join a dynamic team of professionals. We stand out as a best-in-class employer, offering a unique and supportive work environment that fosters personal and professional growth. Our culture is built on valuing teamwork, recognizing achievements, and providing the tools and resources needed to excel. If you are looking for a place where you can make a meaningful impact, enjoy a flexible and fulfilling work experience, and be part of a forward-thinking team, Quorum Federal Credit Union is the perfect fit for you. Summary We strive for innovation and new ways to solve complex problems to deliver on our promise in creating Banking That's Good. For You. As a Mortgage Underwriter I you will be responsible for independent analysis of moderately complex residential mortgage applications and making sound credit decisions in accordance with investor, agency, and company guidelines. This position supports high application volumes and must consistently achieve production levels, turn times and accuracy expectations. Additionally, this role demonstrates adaptability, embraces new technologies, and contributes to the continual improvement of the underwriting process. Key Job Responsibilities and Accountabilities Complexity: Analyze and independently underwrite moderately complex mortgage products and scenarios, within level of authority. Loan products will evolve over time with our strategic direction, market demand, and alignment with investor and regulatory demands. Loan scenario complexity includes but is not limited to large loan balance, layering risk, varying income sources, multiple income streams, and loan exceptions. Compliance: Underwrite all mortgage loan files in compliance with secondary market guidelines, specific product guidelines, credit union policies and procedures, and banking/Credit Union regulatory requirements. Risk Assessment: Exercise sound, common-sense judgment when evaluating overall loan risk and determining loan eligibility ensuring decisions align with company risk tolerance and lending policies. Production and Turn Times: Achieve required daily production levels and established turn times. Production expectations will increase over time with product/process streamlining and automation. Accuracy: Review and validate standard documentation such as income, asset, credit, and collateral. Maintain exceptional accuracy and consistency in all underwriting functions, ensuring that system data and calculations (e.g., DTI, LTV, rate, and other loan metrics) are accurately updated and aligned with documentation, with minimal to no errors Technology Utilization: Utilize provided automation solutions to ensure efficiency and operational controls. Automation may include but is not limited to Automated Underwriting System (AUS), income calculation, and more. Adopt new automation tools, systems, and process changes as implemented. Loan Stages: Must perform underwriting functions in all stages of the application, including but not limited to initial underwriting decision, reviewing and approving conditions, and completing the final underwriting decision. Pipeline Management: Manage daily pipelines efficiently by prioritizing tasks and communicating proactively with processors and loan officers. This will include managing loans from multiple lending channels including retail, wholesale and correspondent, as well as managing loans in various stages of the application process. Escalation: Identify and escalate higher-risk or exception files to senior underwriting staff as appropriate. Continuous Learning: Stay current with underwriting guidelines and technology and attend training sessions to build product and regulatory knowledge. Collaboration: Exhibit a positive and collaborative team attitude, assisting peers and contributing to a supportive work environment. Maintains a positive work atmosphere by communicating in a manner consistent with professional standards to work effectively with members, co-workers, management, partners and vendors. Other Duties: Performs additional duties as required. Scope The Mortgage Underwriter I works under minimal supervision exercising independent judgment. This person must be action oriented, self-motivated and creative while being highly functional Job Requirements, Competencies, and Skills Bachelor's degree in finance, business administration or other related degree preferred. Minimum of two to six years of related experience at a credit union, bank or other financial institution. Excellent problem-solving, organizational, analytical, verbal and written communication skills. Strong decision making and time management skills with the ability to manage multiple projects/duties. Results driven, service oriented, self-motivated and able to work independently. Detailed knowledge of secondary market guidelines. Some knowledge of regulatory guidelines and issues. Complies with all requirements for Mortgage Loan Originators set forth in the SAFE Act, including, but not limited to successful completion of the required background checks and obtaining a Unique Identifier from the NMLRS. Trustworthy with the ability to maintain highest level of integrity and trust. Proficiency in Microsoft Office, specifically Word, Excel and PowerPoint. Related experience with Encompass loan origination systems. .Environmental / Physical / Mental Requirements The Mortgage Underwriter I performs a major portion of his/her duties through verbal and written communications. It is critical that he / she possess the ability to communicate with clarity, while understanding and explaining complex situations to team members and outside contacts. Accuracy is essential and he / she must possess the ability to proof read documentation and correspondence to insure free of errors and fraud. The person will spend a good portion of the day seated at a workstation, but may also be mobile throughout the credit union for purposes of meetings, working with others, etc. Stable internet connection with speeds high enough for video conferencing and screen sharing Smartphone with current iOS/Android OS Prolonged periods sitting at a workstation and working on a computer Ability to communicate with coworkers and customers via email, chat, teleconference, and/or phone Compliance/legal requirements Quorum is an Equal Employment Opportunity employer. Qualified applicants will be considered for employment without regard to race, color, religion, gender, sexual orientation, national origin, age, marital status, protected veteran status, or disability status.  Quorum will make reasonable accommodations in compliance with the Americans with Disabilities Act of 1990. Reasonable accommodations are available upon request for applicants and/or employees with qualifying disabilities throughout the application and employment process. Qualified Applicants with arrest or conviction records will be considered for employment in accordance with all applicable federal, state, city and local laws, rules, and regulations. This in no way states or implies that these are the only duties to be performed by the employee(s) incumbent in this position. Employee(s) will be required to follow any other job-related instructions and to perform any other job-related duties requested by any person authorized to give instructions or assignments. The company reserves the sole right and discretion to make changes to this job description. Each employee is required to uphold the Credit Union's compliance with all policies, procedures, and required regulations including the Bank Secrecy Act and our Anti-Money Laundering policy. This document does not create an employment contract, implied or otherwise, other than an "at-will" relationship. **PLEASE NOTE** We are not able to consider candidates for this role who reside in Montana, Nebraska, Rhode Island, or Puerto Rico Quorum's opportunities are based in the US and US work authorization is required. We are not able to support current or future sponsorship. Salary Range: $31.25 - $36.06 per hour. Individual salary will vary based on skills and experience. Discretionary incentive compensation may be available based on company and individual performance. Benefits: Medical, Vision, Dental, Retirement Benefits, and Paid Time Off (PTO) #LI-Remote
    $31.3-36.1 hourly 34d ago
  • Chase Auto Commercial Banker - Virginia

    JPMC

    Remote job

    Chase Auto is a leading provider of auto financing with a portfolio of more than $80 billion in assets and relationships with 75% of U.S. franchised automotive dealers. The business is part of the JPMorgan Chase franchise and serves auto dealers, consumers, and vehicle manufacturers. It offers a range of products and services to meet the financial needs of its clients from retail lending, captive financing, and floorplan products to cash management, private banking, and payment processing. As a Banker III in Chase Auto/Dealer Commercial Services (DCS) , you will be managing an existing loan and deposit portfolio of automotive dealerships. You will build and maintain relationships with dealership key decision makers, dealer groups, manufacturer partners, and existing clients. Job responsibilities Execute the strategies and the business priorities of the Region to grow the business and support current initiatives. Prospect and grow commercial product offerings, with emphasis on deposit growth, and leverage the existing DCS relationships to grow retail business. Support Private Label and original equipment manufacturer (OEM) floor plan rooftop goals. Manage the profitability and performance of assigned portfolio. Partner effectively with Merchant Services, Investment Bank, Credit Card, Private Bank and Consumer Bank to deliver firmwide value to our clients. Analyze and document the effectiveness of sales performance and results as related to KPMs. Serve as a subject matter expert for the regional sales team; provide mentoring, leadership, and training as needed. Adhere to the firm's Code of Conduct and controls/compliance. Required qualifications, capabilities and skills Bachelor's degree 10+ years of experience in commercial banking or business banking. Strong knowledge and understanding of Deposits and Treasury products and solutions. Experience in asset-based lending, floorplan financing, commercial real estate, and acquisition financing. Minimum ten years proven relationship building and influencing skills, with the ability to establish credibility and strong client relationships, as well as partnerships with senior business and control partners. Knowledge of accounting principles and financial statement analysis Strategic thinker who supports the goals and direction of the firm Ability to partner across lines of businesses and leverage internal resources. Strong knowledge of regulatory and control framework Preferred qualifications, capabilities and skills MBA Knowledge of consumer lending Formal credit training Automotive industry THIS IS A WORK FROM HOME POSITION BUT WILL BE COVERING THE VIRGINIA MARKET. TRAVEL WILL BE 50-60%.
    $54k-85k yearly est. Auto-Apply 39d ago
  • Chase Auto Commercial Banker - Virginia

    Jpmorgan Chase 4.8company rating

    Remote job

    Chase Auto is a leading provider of auto financing with a portfolio of more than $80 billion in assets and relationships with 75% of U.S. franchised automotive dealers. The business is part of the JPMorgan Chase franchise and serves auto dealers, consumers, and vehicle manufacturers. It offers a range of products and services to meet the financial needs of its clients from retail lending, captive financing, and floorplan products to cash management, private banking, and payment processing. As a Banker III in Chase Auto/Dealer Commercial Services (DCS) , you will be managing an existing loan and deposit portfolio of automotive dealerships. You will build and maintain relationships with dealership key decision makers, dealer groups, manufacturer partners, and existing clients. **Job responsibilities** + Execute the strategies and the business priorities of the Region to grow the business and support current initiatives. + Prospect and grow commercial product offerings, with emphasis on deposit growth, and leverage the existing DCS relationships to grow retail business. + Support Private Label and original equipment manufacturer (OEM) floor plan rooftop goals. + Manage the profitability and performance of assigned portfolio. + Partner effectively with Merchant Services, Investment Bank, Credit Card, Private Bank and Consumer Bank to deliver firmwide value to our clients. + Analyze and document the effectiveness of sales performance and results as related to KPMs. + Serve as a subject matter expert for the regional sales team; provide mentoring, leadership, and training as needed. + Adhere to the firm's Code of Conduct and controls/compliance. **Required qualifications, capabilities and skills** + Bachelor's degree + 10+ years of experience in commercial banking or business banking. + Strong knowledge and understanding of Deposits and Treasury products and solutions. + Experience in asset-based lending, floorplan financing, commercial real estate, and acquisition financing. + Minimum ten years proven relationship building and influencing skills, with the ability to establish credibility and strong client relationships, as well as partnerships with senior business and control partners. + Knowledge of accounting principles and financial statement analysis + Strategic thinker who supports the goals and direction of the firm + Ability to partner across lines of businesses and leverage internal resources. + Strong knowledge of regulatory and control framework **Preferred qualifications, capabilities and skills** + MBA + Knowledge of consumer lending + Formal credit training + Automotive industry **THIS IS A WORK FROM HOME POSITION BUT WILL BE COVERING THE VIRGINIA MARKET. TRAVEL WILL BE 50-60%.** Chase is a leading financial services firm, helping nearly half of America's households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs. We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process. We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation. Equal Opportunity Employer/Disability/Veterans
    $54k-85k yearly est. 37d ago

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