Credit Underwriter

About the Role

Credit Underwriters will issue credit decisions based on documented borrower profiles within program guidelines and client requirements. Underwriters will meet daily production goals, clear conditions, and maintain compliance with audit standards. This is a Transactional Employee (TE) position, meaning work is assigned on an "as needed" basis and may vary depending on client demand. While full-time hours are expected most of the year, a 40‑hour workweek cannot be guaranteed.

Flexibility is essential.

• Underwrite residential mortgage loans in accordance with Conventional guidelines.
• Analyze findings using Loan Prospector, Desktop Underwriter, Asset Wise, and other AUS engines.
• Review credit reports, mortgage appraisals, income sources, and asset statements.
• Identify and assess risk and potential fraud exposure.
• Meet daily production and quality targets.
• Work on flow loans and bulk transactions (expect 2‑6 loans per day depending on complexity).
• Perform other related duties as assigned.

Required:

• 3+ years of recent frontline underwriting experience (manual and automated).
• Strong knowledge of Conventional, FHA, VA, Non‑QM, and QM products.
• Experience with securitization and pooling financial assets.
• Proficiency in DU, LP, and other LOS systems.
• Ability to read guidelines and determine pass/fail decisions.
• Strong analytical, problem‑solving, and communication skills.

Preferred:

• Experience with secondary market competitors (e.g., OPUS, AMC, JP3, Evolve, Digital Risk, Core Logic).
• Career progression in mortgage industry (processing, closing, underwriting).

• Remote: Must have a quiet, productive workspace and hard‑wired internet connection.
• Equipment provided (dual monitors, thin client, keyboard, camera) or use your own.
• Communication via Outlook and MS Teams.

• Flexible start time: 7:00 AM – 9:00 AM EST.
• 8‑hour workday with punch‑in/out system.
• Overtime and weekend work available during peak periods.
• Breaks and lunches per state regulations.

• Two‑week training on proprietary platform (not underwriting training).
• Exit exam required (80% or better).
• Ongoing performance measured by loan quality and turnaround time.

• High School Diploma or equivalent required.
• Associate degree or equivalent industry experience preferred.

• Remote flexibility.
• Opportunities for overtime.
• Exposure to diverse loan types.
• Supportive team culture with continuous feedback.

Permanent position based out of Boston, MA.

The pay range for this position is $66,560.00 – $83,200.00/yr.

TE Benefits Snapshot:

• Medical Plans – 2 different plans offered.
• Goodpath – available at no cost if enrolled in a Covius medical health plan. Virtual care for pain, stress, sleep, etc.
• Health Savings Account – tax‑free savings account. Eligible if enrolled in a medical health plan.
• Dental – 2 different plans offered.
• Vision – one plan offered.
• Life and Disability – company‑paid employee basic life and AD&D insurance. Supplemental coverage available.
• Supplemental Insurance – accident, hospital indemnity, and/or critical illness supplement insurance available.
• Medicare – free online resources for anyone Medicare‑eligible.
• Employee Assistance Program – 24/7 access to life assistance resources at no cost.
• 401(k) Retirement Savings – up to 3% company match, fully vested in company contributions after 1 year.

This position is anticipated to close on Jan 9, 2026.

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 other characteristic protected by law.