Credit Underwriter; Remote

* Credit Underwriter - Remote Opportunity
*
* Location:

* Work From Home (Available in 47 states - excluding Vermont, North Dakota, and Hawaii)

* Employment Type:

* Transactional Employee (Project-Based)

* Salary Range:* $66,560 - $83,200 annually

* Industry:
* A well-respected mortgage organization in growth mode

* About the Role
* We are seeking experienced
* Credit Underwriters
* to join a dynamic team supporting a major mortgage program. This is a
* fully remote position
* offering flexibility and competitive pay. As a Credit Underwriter, you will issue credit decisions based on documented borrower profiles while adhering to program guidelines and client requirements.
This role is
* project-based*, meaning work volume may vary depending on client needs. While efforts will be made to provide consistent assignments, there may be periods of reduced or no work.

* Must-Haves
*
* * 2-4+ years of recent frontline manual underwriting experience
* with Conventional, FHA, VA, Jumbo, Non-QM, and QM products.

* Strong knowledge of Fannie Mae/Freddie Mac guidelines, HVCC, RESPA, and compliance regulations.

* Proficiency in Microsoft Office Suite and underwriting systems (DU, LP).

* Excellent analytical, problem-solving, and communication skills.

* Ability to thrive in a fast-paced, metrics-driven environment.

* Key Responsibilities
* * Underwrite residential mortgage loans in accordance with Conventional guidelines.

* Analyze credit reports, income, assets, and appraisals to assess risk and compliance.

* Utilize AUS engines such as Loan Prospector, Desktop Underwriter, Asset Wise, and other LOS systems.

* Identify potential fraud exposure and ensure adherence to federal, state, and local regulations.

* Meet daily production and quality targets while clearing conditions within audit standards.

* Collaborate with team members and communicate effectively in a remote environment.

* Ability to work overtime and weekends when needed.

* Education
* * High School Diploma or equivalent required.

* Associate degree or equivalent industry experience preferred.

* Training & Performance
* * Two-week platform training (system navigation and interpretation).

* Exit exam required (80% or higher).

* Ongoing performance measured by loan quality and turnaround time.

* Work Environment
*
* * Fully Remote* - Must have a quiet, productive workspace and hard-wired internet connection.

* Equipment provided (dual monitors, 10

ZiG device, keyboard, camera) or use your own.

* Timeline
*
* * Expected Interview Date:
* After
* 12/30/2025
*
* * Expected

Start Date:

* * 1/26/2026
* * Why Join Us?
* * Competitive pay and flexibility.

* Opportunity to work with a leading mortgage organization experiencing significant growth.

* Be part of a large-scale program with long-term potential.

* Ready to take the next step? Apply today and join a team that values expertise, precision, and growth!
* * Job Type & Location
* This is a Permanent position based out of Madison Heights, MI.

* Pay and Benefits
* The pay range for this position is $66560.00 - $83200.00/yr.
As you are getting questions from TE candidates about Benefits you can use this as reference for how the TE Benefits work and what we offer.

Here is a snapshot of the TE benefits that we offer that can be shared verbally with candidates as well.

* 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. Can purchase supplemental life and/or AD&D coverage

* Supplemental Insurance - can purchase accident, hospital indemnity, and/or critical illness supplement insurance

* Medicare - free online resources for anyone who is 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

Eligibility for TEs goes into effect on the 1st of the month after 30 days of hire (ex - hired 1/5/26 benefits would be eligible on 3/1/2026). Benefits do remain active for the entirety of the plan year even as volumes or projects fluctuate so TEs are still responsible for premiums while they are an active employee with us whether through recouping payments when they get reassigned to work or setting up payment through Benefits Team.

They are required under ACA to qualify each plan year based on hours worked and must average 30+ hours during lookback period to qualify for the next plan year.

Just so everyone has as talking points for questions but please let us know if there is anything else we can send or clarify.

* Workplace Type
* This is a fully remote position.

* Final date to receive applications
* This position is anticipated to close on Jan 5, 2026.
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