Mortgage Underwriter
Listed on 2026-06-15
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Finance & Banking
Mortgage Loan Originator / Advisor, Loan Officer, Risk Manager/Analyst, Real Estate Finance
Mortgage Loan Underwriter
Location:
Remote, US
Reports To:
Head of Underwriting
Type:
Full-Time, Remote
As a Mortgage Loan Underwriter, you will have the opportunity to join Tomo’s growing mortgage operations team! Leveraging established underwriting guidelines, you will evaluate borrower financial and credit information along with property valuations to inform lending decisions. Our underwriters will collaborate closely with all members of the operations team throughout the process to bring loans to closing, without having to speak directly to the borrower.
We are looking for resourceful Underwriters who can make guidelines fit the borrower, not the borrowers fit the guidelines.
Beyond producing high quality loans, our goal is to build a memorable experience that will ensure our customers enjoy the home buying process. With offices in Detroit, Seattle and New York City, we are quickly expanding in order to deliver a once-in-a-lifetime experience through a combination of technology and excellent service.
What You'll Do:
- Underwrite and decide residential agency conforming mortgage loans
- Verify and analyze all necessary financial information and documentation; ensure that loan files contain all necessary credit and legal documents
- Review appraisal reports to identify and resolve any discrepancies discovered within
- Perform thorough analysis of applicant’s income and expense data, asset documentation, credit reports, and property valuations in order to affirm borrower qualifies for loan
- Calculate qualifying ratios, determine creditworthiness; provide risk opinions
- Maintain proactive review of pipeline
What Makes You a Great Fit:
- 7+ years of experience underwriting Fannie Mae and/or Freddie Mac
- Knowledge of Desktop Underwriter (DU) & Loan Prospector/Loan Product Advisor (LP/LPA)
- Understanding of the mortgage lending process
- Ability to carry out loan calculations (DTI, LTV, etc.)
- Ability to handle multiple files simultaneously
- Strong written and verbal communication
- Perform well in team environments
- The drive to build something new
- Leadership experience a plus
Preferred Qualifications:
- VA LAPP/SAR/DE Certifications
- Experience working with Fannie Mae and/or Freddie Mac
Employee Benefits
We strive to anticipate your needs in order for you to be a healthy, motivated, and happy team member. We provide a variety of competitive benefits including (but not limited to):
- Equity Ownership:
All teammates receive stock options—we win together - Comprehensive Medical, Dental, and Vision plans for you and your dependents with some plans 100% covered
- Work-life balance and a generous paid time off policy
- In order to support teammates who become parents, Tomo Mortgage provides paid parental leave
- 401(k) retirement plan
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