Remote Mortgage Underwriter

Description

Seeking experienced Mortgage Underwriters to join our team and support loan processing for broker clients. 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, underwriting 2‑3 initial files per day and processing 6‑8 final approval files daily (subject to volume).
• Workflow Coordination: Collaborate within Pennymac's structured, end‑to‑end loan process, focusing solely on underwriting scope.
• Compliance & Risk Assessment: Ensure loans meet investor guidelines (FHA UW, HUD UW, VA UW, VA IRRL, VA SAR, Trums
  
  ID Registration) and adhere to quality control standards.
• Decisions across the full range of mortgage loans, preferably including FHA loans.
• Review all mortgage applications and documentation for accuracy and completeness.
• Work with clients to prepare mortgage applications and related documentation as needed, help resolve any outstanding issues.
• Work with compliance officers to ensure federal, state, and local compliance of all mortgage and loan materials.
• Approve or deny mortgages on a timely basis.
• Perform other related duties as required and assigned.

FHA, HUD, Trums

ID Registration, VA, Veterans Affairs Loans, VA IRRRL, Interest Rate Reduction Refinance Loan, VA SAR, Staff Appraisal Reviewer, Federal Housing Administration Underwriter, Department of Housing and Urban Development Underwriter, Mortgage, Underwriter

FHA,HUD,Trums

ID Registration,VA,Veterans Affairs Loans,VA IRRRL,Interest Rate Reduction Refinance Loan,VA SAR,Staff Appraisal Reviewer,Federal Housing Administration Underwriter,Department of Housing and Urban Development Underwriter

• 3+ years of mortgage underwriting experience required.
• Solid knowledge of mortgage underwriting and basic automated underwriting systems.
• Proficiency with basic automated underwriting systems.
• Knowledge of mortgage laws and regulations required, including Home Mortgage Disclosure Act.
• Knowledge of state and federal agency mortgage loan guidelines and regulations helpful.
• (Any loss mitigation or servicing underwriters will be disqualified).
• Strong understanding of FHA, VA, and conventional loan underwriting.
• Ideal candidate has 3+ years of underwriting experience.
• Assessment score requirement:
  Minimum 15.
• Experience with Encompass and proficiency in Excel preferred.
• Experience with FHA, HUD, VA, VA IRRL, VA SAR, Trums
  
  ID Registration preferred.

Intermediate Level

This is a Contract to Hire position based out of Atlanta, GA.

The pay range for this position is $31.25 - $31.25/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)

This is a fully remote position.

This position is anticipated to close on Jan 16, 2026.

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