Mortgage Underwriter (Remote)
$90k - $100k USD
Fully Remote | $90,000 - $100,000/yr
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.
What You’ll Do
Mortgage underwriting sits at the center of the loan process. Your role is to evaluate risk, apply lending guidelines with precision, and clearly communicate what needs to happen to move a loan forward.
In this role, you will:
- 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.
What Makes a Great Underwriter Here?
This role is built for someone who enjoys analytical work, values accuracy, and understands the importance of clear decision-making in a fast-moving mortgage environment.
The strongest candidates tend to be people who:
- Take pride in careful analysis and making well-supported credit decisions.
- Have a natural attention to detail and catch issues others might miss.
- Communicate clearly and confidently with loan teams when explaining underwriting decisions.
- Stay organized and manage multiple loan files without losing accuracy.
- Adapt well when loan details shift or timelines tighten.
- Work well in collaborative environments where production teams depend on your guidance.
Successful underwriters here balance speed, accuracy, and sound judgment – helping loans move forward while protecting the integrity of the process.
If you prefer loosely structured work environments, minimal production expectations, or decision-making without clear guidelines, this likely won’t be the right fit.
Minimum Requirements
To perform successfully in this role, candidates should bring a strong foundation in mortgage underwriting and an understanding of the pace and precision required in a production-driven environment.
Required experience includes:
- At least 3 years of mortgage underwriting experience within the past 5 years
- 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
Experience underwriting Conventional, FHA, and USDA loan products is not required, but preferred.
Why You’ll Love Working at Neighbors Bank
Our People and Culture are our greatest strengths, that’s why finding incredible people who are a great Culture fit is so important. Our thriving remote culture isn't just a perk – it’s how we see the future of work. We empower talented people to do great work wherever they are.
We’re seeking individuals who:
- Are passionate about their job and have fun doing it.
- Deliver results with integrity.
- Enjoy finding ways to enhance the lives of others every day.
Innovative, Meaningful Work -We take our work seriously, but not ourselves. You’ll join a supportive, collaborative team that values personality and integrity.
Award-Winning Remote Culture -We’re proud to be recognized as one of the Top Workplaces in the financial services industry, and we don’t plan on slowing down anytime soon!
Remote Flexibility - Work from any of our hiring states, from the comfort of your own home.
Comprehensive Benefits - Health and dental coverage, a wellness program, 401(k) match, PTO, paid holidays, a monthly WFH reimbursement, and more!
Where We’re Hiring
Neighbors Bank is actively hiring candidates who reside in only the following states: AL, AZ, AR, FL, GA (all counties except DeKalb and Fulton), IA, ID, IN, KS, MS, MO, MT, OK, SC, TX, UT, and VA.
Unfortunately we cannot consider any exceptions to this location requirement.
A Quick Note
Neighbors Bank is more than just a workplace –it’s a community. Our mission is to Enhance Lives, and we’re passionate about doing that through innovative solutions and a culture of collaboration and excellence.
Neighbors Bank is a leading innovator in the mortgage industry, and looking for individuals that thrive on challenges, adapt quickly to change, and want their earnings to reflect their performance. As a trainer, it’s about taking pride in preparation, clarity, and developing others to perform at a high level.
If you’re ready to join a team where your contributions truly matter, we’d love to hear from you!
The People and the Culture are Neighbors Bank’s greatest strengths. We seek individuals who are passionate about their job, deliver results with integrity, and enjoy enhancing the lives of others every day.
Neighbors Bank’s recognition as being a Top Workplace in Financial Services: Top Workplaces.
Neighbors Bank is proud to be an Equal Opportunity Employer committed to creating a diverse and inclusive workforce. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability, veteran status, or other legally protected classifications.