Job Title
Real Estate Lending – Specialist / Mortgage Underwriter
Description
To evaluate and underwrite all mortgage loan types offered by the client according to specific state and federal requirements to limit the risk exposure to the client’s mortgage portfolio.
Responsibilities
- Analyze loans to make a valid recommendation.
- Calculate income and/or VA SAR ability.
- Perform manual underwriting.
- Review system-detected red flags for denial (credit, income, liabilities, etc.) and manage a daily case load of 300-400, identifying potential clears to pass to higher-level underwriters.
- Review documentation against company, NCUA, USPAP, and all other relevant industry loan acceptance guidelines.
- Audit contracts related to real estate such as age restrictions, HOAs, etc.
- Collaborate closely with loan originator and processor to ensure all appropriate data is obtained.
- Collaborate with Mortgage leadership and mentor Mortgage Processors, Closers, and Loan Officers.
- Maintain current knowledge of all company mortgage products and guideline changes by company, investors, or government agencies that impact mortgage loan processing.
Qualifications
- At least 1 year of Mortgage Underwriting experience.
- Knowledgeable of the Mortgage Industry.
- Familiar with agency guidelines (Fannie, Freddie, VA).
- Ability to quickly adjust and make fast decisions.
- Comfortable with conditions, especially DU conditions.
- Ability to calculate income.
- Experience reviewing CBRs.Experience in a production-based environment.
- Familiarity with desktop underwriter/processing and conventional, FHA, VA mortgage experience (certifications preferred not required).
Benefits
- Medical, dental & vision; Critical Illness, Accident, and Hospital coverage;
- 401(k) Retirement Plan – Pre-tax and Roth post-tax contributions available;
- Life Insurance (voluntary life & AD&D for employee & dependents);
- Short and long-term disability;
- Health Spending Account (HSA);
- Transportation benefits;
- Employee Assistance Program;
- Time Off/Leave (PTO, Vacation or Sick Leave).
Compensation
Pay range: $22.02 – $39.93/hr, based on years of experience.
Job Details
Start Date: 8/17/2026
Shift (Time): 8:00am – 4:30pm (local time)
Full remote; overtime available when business need.
Job Type: Contract, full-time.
Location: Scottsdale, AZ (hybrid).
Application Deadline
Anticipated to close on Jun 20, 2026.
Equal Opportunity
The company is an equal opportunity employer and will consider all applications without regards to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law.
San Francisco Fair Chance Ordinance: For positions located in the city and county of San Francisco, we will consider qualified applicants with arrest and conviction records.
Massachusetts Lie Detector: It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment.
Use of Artificial Intelligence (AI): We may use AI to support parts of our hiring process, including sourcing, screening, and evaluating candidates. AI helps assess applications and qualifications, but final decisions are made by our hiring team.
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