Mortgage Underwriter; Nationwide

We are seeking qualified candidates for a Mortgage Equity Underwriter position at a globally recognized Fortune 100 Credit Union.

To evaluate and underwrite all equity loans offered by the Credit Union in accordance with state, federal, investor, and government requirements, limiting risk exposure to the mortgage portfolio.

Analyze loan documentation, determine acceptability of credit risk, provide loan decisions, and recommend alternatives when necessary.

Identify key issues, resolve problems, and work independently under minimal supervision.

Schedule:

Monday – Friday, 8:00 AM – 4:30 PM local time.

Working Environment:
Remote or Hybrid, depending on location.

• Analyze mortgage loan information, including income, assets, and credit criteria, to confirm loan eligibility based on company, local, and federal guidelines and investor requirements.
• Analyze exceptions and rejections, and recommend alternative mortgage products that could bring the loan within guidelines.
• Analyze self‑employed borrower income documentation.
• Approve equity loans and authorize loan disbursements based on a complete analysis of documentation and applicable rules.
• Determine acceptability and marketability of the real estate property to ensure sufficient collateral.
• Prepare and present counter‑offers on marginal loans; prepare adverse action notifications while adhering to compliance provisions.
• Collaborate closely with loan originators and processors to obtain all necessary data and documentation.
• Review and understand effects of contracts related to real estate, such as age restrictions and HOAs.
• Maintain current knowledge of all equity products and guideline changes affecting mortgage loan processing.
• Contribute to the ongoing maintenance of online underwriting manuals.
• Exercise judgment and discretion to analyze and solve complex or unusual problems; assess issues and develop alternate courses of action.

• Minimum 3 years of mortgage underwriting experience.
• In‑depth knowledge of underwriting principles, secondary market (FNMA, FHLMC), or government (FHA/VA) guidelines and relevant regulations.
• Strong organization skills and ability to handle multiple tasks accurately in a high‑volume, fast‑paced environment.
• Excellent verbal, written, and interpersonal communication skills, including counseling, negotiating, and explaining decisions to members and vendors.

Contract position based out of Orlando, FL.

Pay range: $22.02 – $39.93 per hour.

• Medical, dental & vision
• Critical Illness, Accident, and Hospital
• 401(k) Retirement Plan – pre‑tax and Roth contributions available
• Life Insurance (voluntary life & AD&D for employee and dependents)
• Short‑term and long‑term disability
• Health Spending Account (HSA)
• Transportation benefits
• Employee Assistance Program
• Time Off/Leave (PTO, vacation, or sick leave)

This position is anticipated to close on June 16, 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 characteristic protected by law.