Remote Mortgage Underwriter (Remote - Based in NYC)

About the Role

Are you ready to play a pivotal role in transforming the digital mortgage experience? As a Remote Mortgage Underwriter based in NYC, you will be part of a forward-thinking team redefining how underwriting is done in the modern age. This is more than a checklist job—it's a dynamic opportunity to blend your deep understanding of mortgage underwriting guidelines with cutting-edge digital tools that streamline and accelerate decision-making.

Our virtual-first team values precision, autonomy, and innovation. We believe in leveraging data and technology to make informed underwriting decisions while creating an outstanding experience for both borrowers and internal stakeholders. In this role, you’ll analyze loan applications with the support of intelligent software, collaborate across departments, and contribute to a future-forward approach to mortgage lending.

Key Responsibilities

• Evaluate residential mortgage loan applications by federal, state, and investor guidelines.
• Verify income, assets, credit, and property appraisal documentation using cloud-based underwriting systems.
• Analyze risk factors, validate supporting documentation, and render sound underwriting decisions.
• Partner with loan processors and loan officers to resolve issues and ensure files are complete and compliant
• Utilize real-time dashboards and data reports to track underwriting metrics and SLA compliance.
• Conduct post-close audits and contribute to continuous improvement initiatives in underwriting workflows.
• Maintain up-to-date knowledge of evolving lending policies and regulatory requirements.

Work Environment and Culture

You’ll operate entirely online, enjoying the freedom to perform your duties from a dedicated workspace within your NYC residence while staying in sync with a dispersed national team. At the same time, staying closely connected to a nationwide team. Our digital workplace thrives on transparent communication, cross-functional collaboration, and a culture that prizes both precision and agility.

We utilize advanced communication platforms, workflow automation tools, and predictive analytics to maintain alignment across different time zones and ensure seamless collaboration. Underwriters here are empowered to bring new ideas forward, identify efficiency gains, and champion borrower-centric practices that drive lasting impact.

Tools, Technology, and Frameworks

• Automated Underwriting Systems (AUS): Access and decision loans through systems like DU (Desktop Underwriter) and LP (Loan Product Advisor)
• Loan Origination Platforms: Navigate loan files in platforms like Encompass and Blend
• Real-Time Collaboration: Use tools like Slack, Zoom, and Notion for synchronous and asynchronous communication
• Document Management: Leverage OCR (optical character recognition) and digital imaging for fast, paperless processing
• Business Intelligence Tools: Monitor performance and key underwriting trends through Tableau dashboards and integrated analytics platforms

Our tech stack is optimized to minimize manual errors, expedite the underwriting lifecycle, and equip remote professionals with all the digital resources they need to succeed.

Required Qualifications

• 3+ years of experience underwriting conventional, FHA, or VA mortgage loans
• In-depth knowledge of agency and investor guidelines (e.g., Fannie Mae, Freddie Mac)
• Strong analytical abilities and risk assessment skills
• Familiarity with AUS platforms (DU, LP) and loan origination systems
• Exceptional digital literacy and comfort working in a tech-enhanced environment
• Excellent interpersonal and digital communication abilities suited for a distributed work environment
• Ability to remain detail-oriented while managing multiple priorities in a fast-paced setting
• Self-motivated, proactive, and able to work independently while collaborating across remote teams

Preferred Attributes

• Certified Residential Underwriter (CRU) or DE/SAR designation
• Prior remote work experience with distributed teams
• Exposure to robotic process automation (RPA) or machine learning-assisted underwriting
• Passion for modernizing legacy underwriting workflows with data and technology

Performance Metrics and Success Indicators

We believe in data-backed performance evaluation. Success in this role is measured by:

• Average underwriting cycle time improvement (measured via digital loan processing reports)
• File accuracy rates and post-close audit pass percentages
• SLA adherence and responsiveness to internal stakeholder requests
• Innovation contributions: feedback loops initiated, workflows improved, or tools suggested

Career Growth and Advancement

This role offers a transparent path to leadership opportunities within the credit and risk divisions. Whether you're aiming to become a Senior Underwriter, a Credit Policy Analyst, or even a Director of Risk Operations, your work will be visible and valued. Our commitment to upskilling includes:

• Access to AI-powered underwriting simulations
• Participation in monthly remote workshops with guest experts
• Continuing education reimbursement for professional certifications

You’ll grow not just as an underwriter, but as a strategic thought partner shaping the future of digital mortgage operations.

Compensation and Benefits

• Annual Salary: $93,963
• Remote-first work policy with flexible scheduling
• Medical, dental, and vision insurance
• 401(k) plan with employer match
• Annual tech stipend for remote office equipment
• Generous PTO, including personal wellness days
• Access to wellness apps and virtual mental health sessions

Why Join Us?

We are redefining what underwriting can look like in the age of automation, cloud-first infrastructure, and borrower-first innovation. Here, your decisions matter—not only in approving loans but in advancing how mortgage lending works at scale.

If you want to be at the forefront of the fintech-meets-mortgage revolution, we want to hear from you. You’ll join a team where your appetite for change matches your attention to compliance, and where modern tools support your best underwriting judgment every step of the way.

Ready to Elevate Your Career?

Bring your underwriting expertise to a team that thrives on technology, clarity, and high performance. Apply now and discover how remote underwriting can be both fulfilling and future-ready.