Credit Underwriter (REMOTE - 100 OPENINGS)
About the position We are seeking experienced Credit Underwriters to join a dynamic team supporting a major mortgage program. This is a fully remote position offering flexibility and competitive pay. As a Credit Underwriter, you will issue credit decisions based on documented borrower profiles while adhering to program guidelines and client requirements. This role is project-based, meaning work volume may vary depending on client needs. While efforts will be made to provide consistent assignments, there may be periods of reduced or no work. Responsibilities • Underwrite residential mortgage loans in accordance with Conventional guidelines. • Analyze credit reports, income, assets, and appraisals to assess risk and compliance. • Utilize AUS engines such as Loan Prospector, Desktop Underwriter, AssetWise, and other LOS systems. • Identify potential fraud exposure and ensure adherence to federal, state, and local regulations. • Meet daily production and quality targets while clearing conditions within audit standards. • Collaborate with team members and communicate effectively in a remote environment. • Ability to work overtime and weekends when needed. Requirements • 2–4+ years of recent frontline manual underwriting experience with Conventional, FHA, VA, Jumbo, Non-QM, and QM products. • Strong knowledge of Fannie Mae/Freddie Mac guidelines, HVCC, RESPA, and compliance regulations. • Proficiency in Microsoft Office Suite and underwriting systems (DU, LP). • Excellent analytical, problem-solving, and communication skills. • Ability to thrive in a fast-paced, metrics-driven environment. • High School Diploma or equivalent required. • Must have a quiet, productive workspace and hard-wired internet connection. Nice-to-haves • Associate degree or equivalent industry experience preferred. Benefits • Medical Plans - 2 different plans offered • Goodpath - available at no cost if enrolled in a Covius medical health plan. Virtual care for pain, stress, sleep, etc. • Health Savings Account - tax free savings account. Eligible if enrolled in a medical health plan • Dental - 2 different plans offered • Vision - one plan offered • Life and Disability - company paid employee basic life and AD&D insurance. Can purchase supplemental life and/or AD&D coverage • Supplemental Insurance - can purchase accident, hospital indemnity, and/or critical illness supplement insurance • Medicare - free online resources for anyone who is Medicare-eligible • Employee Assistance Program - 24/7 access to life assistance resources at no cost • 401 (K) Retirement Savings - up to 3% company match, fully vested in company contributions after 1 year Apply tot his job