Mortgage Underwriter - Remote

Description

Credit Underwriter responsible for issuing credit decisions based on the documented borrower profile, while meeting daily production goals and audit standards within the guidelines of the program and client requirements. The role is a Transactional Employee (TE), working on an “as needed” basis with variable hours that may include overtime and weekends.

• Underwrite residential mortgage loans in accordance with Conventional guidelines.
• Input data and analyze findings in Loan Prospector, Desktop Underwriter, Asset Wise, other AUS engines, and OES.
• Identify and assess risk and potential fraud exposure from client business practices.
• Review credit reports to determine credit patterns, liabilities, judgments, and collections.
• Review residential mortgage appraisal forms and calculate Loan‑to‑Value ratios.
• Analyze income from salaried, commissioned, self‑employed, investment, and fixed‑income sources.
• Analyze asset statements for all types of asset accounts.
• Perform other related duties as assigned.
• Handle variable loan volumes ranging from 2–3 to 5–6 per day depending on loan types.

• Ability to work in a fast‑paced, metrics‑driven environment.
• Strong analytical and problem‑solving skills.
• Prioritization of multiple objectives to meet client deadlines and department goals.
• Excellent verbal and written communication skills.
• Proficient knowledge of Microsoft Office Suite (Word, Excel, PowerPoint).
• Deep underwriting knowledge of Prime/Standard Full Documentation.
• Understanding of audit standards for full‑documentation program clients.
• In‑depth knowledge of HVCC, federal, state, and local compliance regulations, including Truth in Lending and Equal Credit Opportunity laws.
• Knowledge of total closing function, including underwriting conditions, closing instructions, procedures, and RESPA.
• Up‑to‑date knowledge of Fannie/Freddie guidelines, back‑end quality control, and fraud audit experience.
• Proficiency using Desktop Underwriter, Loan Prospector, and other LOS systems.
• Commitment to cultivating a diverse and inclusive work environment.

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

• Jumbo loan underwriting, manual underwriting.

• Employment Type:
  
  Permanent.
• Location:
  
  St. Louis, MO (remote).
• Salary Range: $66,560.00 – $83,200.00 per year.
• Final date to receive applications:
  January 13, 2026.

• Medical Plans – 2 different plans.
• Goodpath – virtual care at no cost for eligible employees.
• Health Savings Account – tax‑free savings account for eligible employees.
• Dental – 2 plans.
• Vision – 1 plan.
• Life and Disability – company‑paid basic life and AD&D insurance; supplemental coverage available.
• Supplemental Insurance – accident, hospital indemnity, and/or critical illness supplements.
• Medicare – online resources for eligible employees.
• Employee Assistance Program – 24/7 access to life assistance resources.
• 401(k) Retirement Savings – up to 3% company match; fully vested after 1 year.

TEKsystems is an equal‑opportunity employer and will consider all applicants 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.