Remote Mortgage Underwriter in New York

Discover the Role: A Digitally-Driven Future in Mortgage Underwriting

Looking to advance your professional journey in mortgage underwriting with a tech-powered, forward-looking company? As a Remote Mortgage Underwriter based in New York, you'll be part of a dynamic team redefining how home financing works in the digital age. With a strong focus on innovation and automation, we’re streamlining the underwriting process using cutting-edge platforms to enhance accuracy, speed, and customer satisfaction.

If you’re passionate about technology, precision, and working remotely with a high-performing team, this role is your chance to shape the future of mortgage lending.

Primary Responsibilities of a Remote Mortgage Underwriter

Core Job Duties

• Evaluate complex residential loan files to determine creditworthiness and compliance with investor guidelines.
• Verify income, assets, liabilities, and property details using secure digital verification platforms.
• Leverage automated underwriting systems (AUS) such as DU and LPA for initial assessments.
• Analyze credit reports and risk scores in conjunction with tech-generated analytics dashboards.
• Collaborate with processors, loan officers, and compliance specialists to ensure loan quality.
• Make final loan disposition decisions and document your findings within a cloud-based LOS (Loan Origination System)
• Maintain a consistent underwriting pipeline while meeting internal SLA expectations.

Performance-Based Decision Framework

• Use real-time dashboards to track approval rates and reduce error margins
• Implement findings from performance metrics and QA audits to improve underwriting practices continuously
• Contribute to predictive modeling initiatives that forecast loan approval probabilities

Working Environment and Team Structure

Remote Work Culture and Values

This is a 100% remote position tailored for professionals seeking a flexible yet focused workday. You’ll have access to:

• A digital-first workflow supported by encrypted document management tools
• Seamless collaboration with teams via secure video platforms and task management tools
• An inclusive, purpose-driven culture valuing transparency and innovation

National Collaboration from Anywhere

We believe that talent isn’t confined by zip code. You’ll work alongside high-performing underwriters across the country—all connected through an advanced communication infrastructure that makes remote feel local.

Technology Infrastructure and Tools Used

Key Systems and Software

A suite of intelligent tools enhances our underwriting ecosystem:

• Loan Origination System (Encompass360) for streamlined end-to-end processing
• Automated Underwriting Systems (DU/LPA) to expedite eligibility decisions
• Optical Character Recognition (OCR) tools for fast document analysis
• AI-Powered Compliance Checkers ensuring adherence to investor guidelines
• Secure eSign Platforms that minimize bottlenecks in document verification
• Collaborative Portals to ensure transparency between all stakeholders

Measurable Efficiency Gains

By integrating smart tech, we reduce turnaround times by 23% and maintain a 96% accuracy rate in our underwriting outcomes.

Required and Preferred Candidate Qualifications

Minimum Qualifications

• 3+ years of mortgage underwriting experience with a proven track record in conventional loans
• Proficiency with DU and LPA systems
• Deep understanding of Fannie Mae, Freddie Mac, FHA, and VA guidelines
• Strong analytical abilities and decision-making confidence
• Excellent communication skills to articulate findings across remote teams
• Tech-savvy mindset with adaptability to learn new platforms quickly

Preferred Candidate Profile

• Background in virtual or blended work environments
• Familiarity with Encompass360 or similar LOS software
• Certification in Residential Underwriting (CRU or equivalent)

Benefits, Compensation, and Career Development

Competitive Compensation and Perks

• 💸 Annual Salary: $86,538
• 🏡 Work from anywhere with structured flexibility
• 🧠 Professional development budgets for training, tech certifications, and underwriting courses
• 🛠 Modern equipment package shipped to your door
• 🏥 **Comprehensive insurance benefits** available immediately upon hire
• 💼 401(k) with matching contributions
• 📈 Monthly incentives for top-performing underwriters
• 🧘 Access to virtual wellness programs and ergonomic support resources

Opportunities for Advancement

• Participate in internal mentorship programs and leadership tracks
• Join task forces focused on AI implementation in mortgage risk analysis
• Contribute to quarterly innovation sprints shaping our next-gen underwriting tools

Take the Next Step Toward a Future-Ready Career

We’re not just looking for a Mortgage Underwriter. We’re looking for someone who thrives on precision, innovation, and meaningful digital collaboration. If you believe in transforming legacy processes through innovative technology and data insight, this is your opportunity.

Call to Action: Apply Now

Apply today to be part of a company where your decisions power homeownership dreams—and your career soars in a space built for the future.

Make an impact remotely. Make your mark permanently.