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

We are seeking experienced Credit Underwriters to join a dynamic team supporting a major mortgage program. This fully remote position offers 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. The role is project‑based, meaning work volume may vary depending on client needs.

• 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.

• 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.

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

• Two‑week platform training (system navigation and interpretation).
• Exit exam required (80% or higher).
• Ongoing performance measured by loan quality and turnaround time.

• 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.

• Expected Interview Date:
  After 12/30/2025
• Expected
  
  Start Date:
  
  1/26/2026

• 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.

• Medical Plans – 2 different plans offered.
• Goodpath – Virtual care for pain, stress, sleep, etc., available at no cost if enrolled in a Covius medical health plan.
• 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.

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.

Ready to take the next step? Apply today and join a team that values expertise, precision, and growth!