Mortgage Underwriter

About This Role

Mortgage Underwriters are sought to make an immediate impact within a high-performing team, shaping borrower experiences nationwide. This role offers the chance to grow a career with a company committed to employee success.

Responsibilities

• Evaluate and underwrite mortgage loans for compliance with agency, investor, and internal guidelines
• Review credit, income, assets, tax returns, appraisals, title, insurance, fraud tools, and deliver clear, accurate credit decisions
• Document precise income and asset calculations and articulate well-supported approval rationale
• Issue conditions and final decisions within established SLAs
• Review and clear conditions with accuracy and urgency
• Support pre-funding audits, investor audits, and review-desk inquiries
• Partner with Loan Officers, Processors, and Closers to ensure smooth, timely closings
• Stay current on guideline updates, regulatory changes, and industry best practices
• Contribute to QC reviews and continuous improvement across the department

Requirements

• 5+ years current/recent frontline mortgage underwriting experience
• DE and/or SAR certifications preferred
• Deep knowledge of FNMA, FHLMC, FHA, VA, and Jumbo guidelines
• Proficiency in LOS/AUS platforms (Encompass, DU, LPA)
• Strong analytical, credit, and risk assessment skills
• Exceptional attention to detail and the ability to stay sharp in a high volume environment
• A proactive, solutions focused mindset with the ability to multitask and meet deadlines
• High-speed internet required for remote work, Cable or Fiber ONLY with the ability to connect via Ethernet. Minimum speeds: 70/30 Mbps (basic), 200-300/35-70 Mbps (shared), 500-1,000/100+ Mbps (heavy use).

Benefits

• 401(k)
• Dental insurance
• Disability insurance
• Employee discounts
• Health insurance
• Life insurance
• Paid time off
• 12 paid holidays per year
• Paid training
• Referral program
• Vision insurance
• Bonus
• Referral bonuses

Important Details

• Work format: remote, work from home
• Remote work applicants may not work from the following states: California

About the Company

AmeriSave Mortgage has set the standard in online mortgage lending with over $130 billion in funded loan volume. As one of the top-rated, largest privately-owned online mortgage lenders in the nation, its mission is to deliver beneficial, responsible home lending solutions with unwavering integrity, dedication and excellence. The company believes in the power of a dynamic and talented workforce and creating an environment where contributions are recognized and celebrated.