Credit Underwriter

Summary

The Credit Underwriter is responsible for issuing credit decisions based on the documented borrower profile within the guidelines of the program and client requirements. Underwriters are expected to meet minimum daily production goals, clearing conditions and to perform within department audit standards. This position is classified as a Transactional Employee (TE). Transactional employees are assigned to work on an "as needed" or project basis and may experience variable work hours, potentially including overtime and weekends.

• Underwrite residential mortgage loans in accordance with Conventional guidelines.
• Enter data and analyze findings using Loan Prospector, Desktop Underwriter, Asset Wise, other AUS engines and OES.
• Identify and assess overall risk and potential fraud exposure resulting from clients' business practices.
• Meet minimum daily production goals and quality targets, plus clearing conditions and audit standards.
• Review credit reports to determine credit patterns, current liabilities, outstanding judgments and collections.
• Review residential mortgage appraisal forms and calculate Loan-to-Value ratios.
• Analyze income sources including salaried, commissioned, self‑employed, investment and fixed‑income assets.
• Analyze asset statements for all types of asset accounts.
• Perform other related duties as assigned.

• Ability to work in a fast‑paced, metrics‑driven environment.
• Strong analytical and problem‑solving skills.
• Ability to prioritize multiple objectives to meet client deadlines and department goals.
• Excellent verbal and written communication skills.
• Proficient knowledge of Microsoft Office Suite (Word, Excel, PowerPoint).
• Strong underwriting knowledge of Prime or Standard Full Documentation.
• Audit standard full‑documentation program clients.
• In‑depth knowledge of HVCC, guidelines and compliance regulations (Truth in Lending, EQUAL CREDIT OPPORTUNITY, RESPA).
• Up‑to‑date knowledge of Fannie/Freddie guidelines, back‑end quality control and fraud audit experience.
• Proficiency in Desktop Underwriter (DU), Loan Prospector (LP) and other LOS systems.
• Commitment to cultivating a diverse and inclusive work environment.

• High School Diploma or equivalent required.
• Associate degree or equivalent industry experience required.
• 3+ years of relevant industry experience.
• 3+ years securitization experience.
• 3+ years of recent frontline underwriting experience with Conventional, FHA and/or VA products.
• Experience with A Paper, B/C Paper, Non‑Confirming and Conforming, Sub‑Prime residential, Non‑QM and QM products.

Intermediate Level

Permanent position based out of Riverview, FL.

$66,560.00 – $83,200.00 per year.

Fully remote.

Position anticipated to close on Dec 31, 2025.

TEKsystems is an Allegis Group company that helps clients activate ideas and solutions across North America, Europe and Asia. We are a team of 80,000, working with over 6,000 clients, including 80% of the Fortune 500.

TEKsystems 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.