Mortgage Underwriter (Remote)

Neighbors Bank

6d•$90,000 - $100,000•Remote

About The Position

At Neighbors Bank, strong underwriting is the foundation of every successful mortgage. Behind every approved loan is a thoughtful risk assessment, clear communication, and an underwriter who understands both the guidelines and the real-world impact of their decisions. We’re looking for a Mortgage Underwriter who brings precision, sound judgment, and a strong understanding of mortgage guidelines to the table. In this role, you’ll evaluate loan files across multiple products, make credit decisions, and clearly communicate what is needed to move loans forward in a compliant and responsible way. Your work will directly influence how efficiently loans move through the process and how confidently our loan teams can guide borrowers to closing. If you enjoy analyzing complex financial scenarios, applying guidelines with clarity, and collaborating with a production team to structure strong mortgage files, this role offers the opportunity to make meaningful impact within a high-performing mortgage operation.

Requirements

At least 2 years of mortgage underwriting experience
At least 3 years of experience working within the mortgage industry
A strong working knowledge of mortgage underwriting guidelines and loan documentation
Experience analyzing borrower financials and assessing overall loan risk
The ability to operate effectively in a deadline-driven mortgage production environment
Comfort working with the technology and systems required in a fully remote lending organization
Completion of any required FHA/HUD designation training and USDA training, after starting with our company
Consistent reliability and the ability to meet performance expectations in a team-based environment

Nice To Haves

Experience underwriting Conventional, FHA, and USDA loan products is not required, but preferred.

Responsibilities

Review loan files to assess income, assets, credit, collateral, and overall credit risk across multiple loan products including Conventional, FHA, USDA, and VA.
Apply underwriting guidelines thoughtfully to determine loan eligibility, ensuring every decision aligns with agency and investor requirements.
Communicate underwriting decisions and conditions clearly to the loan team so files can move forward efficiently and compliantly.
Revisit loans that return from closing when changes occur – whether reviewing updated documentation, adjusting loan structures, or confirming revised terms.
Maintain a strong focus on documentation accuracy and compliance, including supporting internal reviews, investor delivery requirements, and audit requests.
Identify potential alternative loan structures when appropriate to help create viable financing solutions.
Provide feedback on recurring file issues or common conditions to help strengthen overall loan quality across the team.
Stay current on underwriting guidelines and industry updates so your decisions remain informed and consistent.