Jobgether is hiring a Mortgage Underwriter to play a critical role in ensuring mortgage loans are accurately reviewed, structured, and approved. In this remote position, you will evaluate borrower creditworthiness, analyze complex financial documents, and collaborate closely with sales and operations teams to ensure seamless loan closings within a fast-paced, innovative environment.
What You'll Do
- Review and validate loan applications, calculations, and documentation for accuracy and compliance with investor guidelines.
- Evaluate borrower credit capacity through detailed analysis of income, assets, and debt ratios, including self-employed borrower calculations.
- Assess and approve third-party documentation such as purchase contracts, title reports, escrow instructions, and environmental reports.
- Collaborate with loan officers, processors, and closers to identify creative solutions for challenging or denied loan files.
- Escalate complex loan issues to the Underwriting Manager/Director as needed.
- Maintain knowledge of secondary market guidelines and ensure compliance with turn-time expectations and SLAs.
- Manage a daily loan pipeline to meet service and production targets.
What We're Looking For
- 5+ years of residential mortgage underwriting experience, including FNMA and FHLMC.
- Advanced knowledge of Desktop Underwriter (DU) and Loan Product Advisor (LPA).
- Experience underwriting to multiple investor guidelines and overlays.
- Expertise in refinance and purchase mortgage underwriting.
- Proficiency with loan origination software (Encompass or LendingPad preferred).
- Strong written and verbal communication skills.
- Ability to thrive in a fast-paced, high-production, and remote-first environment.
- Demonstrated problem-solving skills and the ability to structure solutions for complex loan scenarios.
Nice to Have
- FHA and VA experience is a plus.
Technical Stack
- Desktop Underwriter (DU)
- Loan Product Advisor (LPA)
- Encompass
- LendingPad
Team & Environment
You will collaborate closely with loan officers, processors, and closers, escalating complex issues to the Underwriting Manager/Director. Our culture is collaborative, values-driven, and focused on empathy, focus, and teamwork within a fast-paced residential lending environment.
Benefits & Compensation
- Salary: $80,000 - $85,000 annually.
- Equity: Stock option grants for full-time employees.
- 401(k) employer contribution match.
- Health and wellness coverage, including medical, dental, vision, and life insurance.
- Twenty vacation days, five sick days, twelve company holidays, and two floating holidays per year.
- Generous paid parental leave of up to 14 weeks.
Work Mode
This is a remote position open to candidates anywhere in the United States.
Jobgether is an equal opportunity employer.
