Communication Skills, Credit Analysis, Dental Insurance, Detail Oriented, Documentation, Employee Benefits, Establish Priorities, Fannie Mae (FNMA), Federal Housing Administration (FHA), Freddie Mac (FHLMC), Loan Approval, Loan Conditions, Loan Review, Maintain Compliance, Mortgage, Mortgage Lending, Organizational Skills, Presentation/Verbal Skills, Time Management, Underwriting, Writing Skills
Underwriter
Location: 100% Remote
Schedule: Monday – Friday | 8:00 AM – 5:00 PM
Pay Rate: $58.29 - $59.29 per hour
Position Summary
We are seeking an experienced Underwriter to perform fully manual underwriting and credit qualification for mortgage assumptions and related transactions. This role requires extensive knowledge of FHA, VA, Fannie Mae (FNMA), and Freddie Mac (FHLMC) guidelines, along with the ability to independently evaluate and approve loans without the assistance of automated underwriting systems.
The Underwriter will work closely with processors, management, and clients to review loan files, communicate underwriting decisions and conditions, coordinate condition resolution, and ensure files are reviewed and approved within established service-level timelines.
Essential Responsibilities
- Perform manual underwriting and credit qualification for mortgage assumptions and related transactions.
- Review loan files for compliance with FHA, VA, FNMA, and FHLMC guidelines and investor requirements.
- Analyze borrower credit, income, assets, liabilities, and supporting documentation to determine eligibility.
- Issue underwriting decisions and communicate conditions clearly and effectively to processors and borrowers.
- Review submitted conditions, determine acceptability, and provide timely updates on file status.
- Communicate directly with clients when clarification or additional documentation is needed.
- Coordinate with processors and management to resolve outstanding conditions and facilitate loan approvals.
- Order and review title reports as part of the underwriting process.
- Ensure all underwriting reviews are completed accurately and within required turnaround times.
- Support files through final approval and clear-to-close status.
Qualifications
- High School Diploma or equivalent required.
- Minimum 5 years of mortgage underwriting experience required.
- Previous mortgage processing experience preferred.
- Extensive experience with manual underwriting.
- Strong knowledge of FHA, VA, FNMA, and FHLMC guidelines.
- Experience reviewing mortgage assumption transactions preferred.
- Excellent written and verbal communication skills.
- Strong organizational, prioritization, and time-management abilities.
- Ability to manage a high-volume pipeline while maintaining accuracy and compliance.
Core Competencies
Manual Underwriting, Credit Qualification, Loan Review, FHA Compliance, VA Compliance, FNMA Compliance, FHLMC Compliance, Condition Coordination, Title Ordering, Client Communication, Written Communication, Time Management, Prioritization, Organization, Attention to Detail, Mortgage Assumptions, Investor Guideline Review.
Benefits (employee contribution):- Health insurance
- Health savings account
- Dental insurance
- Vision insurance
- Flexible spending accounts
- Life insurance
- Retirement plan
All qualified applicants will receive consideration for employment without regard to age, race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran. Rate of pay within the stated range will depend on the qualification of the applicant. i
inSync Staffing
We recognize the VMS program management team is our customer and needs to be serviced with integrity, so we built and continue to improve upon our delivery methods as we strive to provide the highest quality service possible.
inSync Staffing’s management team recognized ten years ago the inevitable changes to the staffing industry being brought about by technology and the growing trend of Fortune 1000 corporations to outsource management of their contingent workforces to meet compliance and cost control goals. Rather than swim upstream against the changes, inSync Staffing has embraced MSP and VMS programs as our customers, not competitors. We asked program managers how they want to be serviced.
The result of their input is that we have structured inSync Staffing as a recruiting and customer service organization, unlike traditional staffing companies who sell directly to the end client. Our delivery model allows us concentrates our resources on how to best supply candidates in a very competitive MSP/VMS program environment.
50 to 99 employees
Staffing/Employment Agencies
http://www.insyncstaffing.com/default.html