Underwriter - III
WFA Digital Insight
The shift to remote work has intensified the demand for skilled underwriters who can navigate the complexities of mortgage loans from anywhere. With the mortgage industry experiencing significant growth, professionals with advanced knowledge of residential mortgage products and regulatory compliance are in high demand. As of 2025, the demand for underwriting specialists grew by 25%, highlighting the need for experts who can balance risk assessment with customer satisfaction. AmeriHome Mortgage Company, LLC, stands out for its commitment to equal employment and providing a comprehensive benefits package. Before applying, candidates should be aware of the importance of staying updated on the latest regulatory guidelines and industry standards.
Job Description
About the Role
The Underwriter - III position at AmeriHome Mortgage Company, LLC, is a critical role that involves reviewing and analyzing mortgage loan applications to ensure they meet the company's quality standards and regulatory requirements. As a key member of the underwriting team, you will be responsible for managing a pipeline of loan files, reviewing credit reports, and making informed decisions about loan approvals. Your expertise will play a significant role in mitigating risk and ensuring compliance with investor guidelines.The underwriting process involves a thorough examination of loan files, including credit history, income, and collateral. You will need to stay up-to-date on the latest regulatory requirements and industry standards, including those set by FNMA, FHLMC, FHA, VA, and USDA. Effective communication skills are essential, as you will be working closely with customers, loan officers, and other stakeholders to resolve issues and provide updates on loan status.
AmeriHome Mortgage Company, LLC, is a leading mortgage lender dedicated to providing exceptional customer service and building long-term relationships with its clients. As a remote Underwriter - III, you will have the opportunity to work with a talented team of professionals who share your passion for the mortgage industry.
What You Will Do
- Review and analyze mortgage loan applications to ensure they meet company and investor quality standards
- Manage a pipeline of loan files, prioritizing tasks and meeting deadlines
- Conduct thorough reviews of credit reports, income, and collateral to make informed decisions about loan approvals
- Clear underwriting conditions and review appraisal reports
- Communicate with customers and loan officers to resolve issues and provide updates on loan status
- Stay current on regulatory requirements and industry standards, including those set by FNMA, FHLMC, FHA, VA, and USDA
- Collaborate with the underwriting team to develop and implement best practices
- Review and update underwriting guidelines and procedures as needed
- Participate in quality control audits to ensure compliance with company and regulatory requirements
- Provide training and support to junior underwriters as needed
What We Are Looking For
- 7+ years of experience in mortgage underwriting or a related field
- Advanced knowledge of residential mortgage products and regulatory requirements
- High school diploma required; college degree preferred
- Proficiency in MS Office products and Encompass
- Excellent communication and analytical skills
- Ability to work independently and as part of a team
- Strong attention to detail and organizational skills
- Familiarity with loan origination systems and software
- Knowledge of industry standards and best practices
Nice to Have
- Experience with mortgage banking software and technology
- Certification in mortgage underwriting or a related field
- Knowledge of secondary marketing and capital markets
- Familiarity with risk management and compliance
- Experience working in a remote or virtual team environment
Benefits and Perks
- Competitive salary and benefits package
- Opportunity to work with a leading mortgage lender
- Remote work arrangement with flexible scheduling
- Comprehensive health and dental insurance
- 401(k) matching program and retirement savings plan
- Paid time off and holidays
- Tuition assistance program and professional development opportunities
- Employee volunteer program and community involvement
How to Stand Out
- Develop a strong understanding of regulatory requirements and industry standards, including those set by FNMA, FHLMC, FHA, VA, and USDA
- Create a portfolio that showcases your underwriting experience and skills, including examples of complex loan files you have worked on
- Be prepared to discuss your analytical and problem-solving skills, as well as your ability to work independently and as part of a team
- Research the company culture and values to ensure you are a good fit for the role and the organization
- Consider obtaining certification in mortgage underwriting or a related field to demonstrate your expertise and commitment to the profession
- Be prepared to ask questions during the interview process, such as what a typical day looks like in the role and what opportunities there are for professional development
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