Neighbors Bank is hiring a Mortgage Underwriter

Neighbors Bank is hiring a Mortgage Underwriter to join our team. You will be responsible for evaluating loan files across multiple products, making clear credit decisions, and communicating effectively to move loans forward in a compliant and responsible manner. This role involves analyzing complex financial scenarios, applying guidelines with clarity, and collaborating closely with our production team.

What You'll Do

• Review loan files to assess income, assets, credit, collateral, and overall credit risk across multiple loan products including Conventional, FHA, USDA, and VA.
• Apply underwriting guidelines thoughtfully to determine loan eligibility, ensuring every decision aligns with agency and investor requirements.
• Communicate underwriting decisions and conditions clearly to the loan team so files can move forward efficiently and compliantly.
• Revisit loans that return from closing when changes occur – whether reviewing updated documentation, adjusting loan structures, or confirming revised terms.
• Maintain a strong focus on documentation accuracy and compliance, including supporting internal reviews, investor delivery requirements, and audit requests.
• Identify potential alternative loan structures when appropriate to help create viable financing solutions.
• Provide feedback on recurring file issues or common conditions to help strengthen overall loan quality across the team.
• Stay current on underwriting guidelines and industry updates so your decisions remain informed and consistent.

What We're Looking For

• At least 2 years of mortgage underwriting experience.
• At least 3 years of experience working within the mortgage industry.
• A strong working knowledge of mortgage underwriting guidelines and loan documentation.
• Experience analyzing borrower financials and assessing overall loan risk.
• The ability to operate effectively in a deadline-driven mortgage production environment.
• Comfort working with the technology and systems required in a fully remote lending organization.
• Completion of any required FHA/HUD designation training and USDA training, after starting with our company.
• Consistent reliability and the ability to meet performance expectations in a team-based environment.

Nice to Have

• Experience underwriting Conventional, FHA, and USDA loan products.

Benefits & Compensation

• Compensation range: $90,000 - $100,000/yr.
• Health and dental coverage.
• Wellness program.
• 401(k) match.
• PTO.
• Paid holidays.
• Monthly WFH reimbursement.

Work Mode

This is a remote position open to candidates located in: AL, AZ, AR, FL, GA (all counties except DeKalb and Fulton), IA, ID, IN, KS, MS, MO, MT, OK, SC, TX, UT, VA.

Neighbors Bank is proud to be an Equal Opportunity Employer committed to creating a diverse and inclusive workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability, veteran status, or other legally protected classifications.