Remote Mortgage Underwriter in New York

Position Overview

Are you seeking a meaningful role where your analytical skills contribute to creating a more inclusive future? As a Remote Mortgage Underwriter based in New York, you will be a vital part of supporting individuals and families on their homeownership journey. This position offers more than just underwriting—it's about making decisions that influence lives with fairness, diligence, and compassion. In a flexible, remote work environment grounded in empathy and community, you'll enjoy the balance of autonomy and support.

Annual Salary: $81,256

About the Role

This remote role involves thoroughly reviewing mortgage applications to ensure they meet compliance standards and investor requirements. You will analyze documentation, including credit histories, income sources, assets, and property valuations, to determine risk and eligibility. Your role ensures every applicant receives a thoughtful and unbiased evaluation.

Rather than being a behind-the-scenes processor, you will be part of a larger mission that values integrity and inclusive access to homeownership.

Key Responsibilities

Loan Evaluation and Risk Insight

• Perform in-depth reviews of loan files, including government and conventional mortgage applications
• Assess financial documentation and credit histories to determine applicant qualification
• Evaluate property appraisals for underwriting consistency

Regulatory Compliance and Accuracy

• Ensure all loan decisions align with state, federal, and investor standards
• Maintain meticulous documentation to support underwriting conclusions
• Partner with compliance teams to address exceptions and maintain accuracy

Collaborative Engagement

• Coordinate with processors, loan officers, and closers for smooth file processing
• Clearly explain conditions or decisions to internal teams with professionalism and respect
• Support process improvements and quality initiatives across the department

Informed Decision-Making

• Approve, decline, or conditionally approve applications with fairness and accountability
• Refer high-risk scenarios to senior underwriting staff as needed

Work Environment

Remote Work, Human Connection

Enjoy the flexibility of a remote-first culture that values trust and empowers its team members. Our virtual work model promotes a balance between life and career, while providing the tools to thrive collaboratively from anywhere.

Diverse and Inclusive Culture

We foster a team culture that values diverse experiences and perspectives. You’ll be joining a workplace that respects individuality and believes inclusion drives progress. Respect, equity, and openness are at the core of our operations.

Development and Well-Being

Employees benefit from tailored career development resources, online skills-building opportunities, and access to virtual wellness programs. Whether you're mastering new tools or preparing for future roles, we are dedicated to supporting your continued advancement.

Tools and Technologies

Your toolkit will include:

• Loan Origination Software like Encompass
• Automated Underwriting Systems (DU and LPA)
• Secure cloud-based file sharing and review tools
• Internal communication platforms for efficient collaboration

Training is provided, ensuring all team members are equipped regardless of their starting point.

Qualifications and Skills

Essential Experience

• 3+ years of underwriting experience for residential loans, including both government and conventional
• Strong working knowledge of FHA, VA, FNMA, and FHLMC regulations
• Skilled at reading and interpreting income, credit, and asset documentation
• Highly organized with exceptional accuracy
• Effective communicator across various roles and responsibilities

Additional Attributes

• DE/SAR credentials are advantageous
• Experience in remote or virtual teams
• Compassionate decision-making style
• Alignment with inclusive workplace values

Career Advancement

We offer clear career progression for those seeking long-term growth. Many of our current team members began in underwriting and moved into specialty or senior roles through hands-on experience and skill-building programs.

Employee Experiences

A team member from Queens transitioned to a senior role within 18 months through mentorship and access to certification support. Another colleague in Rochester shared how they felt respected and heard while balancing work and caregiving responsibilities.

Our Commitment to Equity

We are committed to providing fair consideration to every applicant. We embrace a hiring process that honors all backgrounds, lived experiences, and identities. Our team culture fosters an environment that supports individuals without bias or exclusion of any kind.

Your Next Step

If you're a detail-driven professional with a passion for fairness and accuracy, we invite you to apply. Your expertise will help create pathways to homeownership while working in a culture that truly values you.

Apply today to contribute to meaningful work that strengthens communities and fosters equality, from wherever you are.