Mortgage Underwriter II - Remote
Remote / Online - Candidates ideally in
New York, USA
Listing for:
Quorum Federal Credit Union
Remote/Work from Home
position
Listed on 2026-03-01
Job specializations:
-
Finance & Banking
Risk Manager/Analyst, Financial Analyst
Salary/Wage Range or Industry Benchmark: 80000 - 100000 USD Yearly
USD
80000.00
100000.00
YEAR
Job Description & How to Apply Below
Mortgage Underwriter II
We are a cutting‑edge credit union that operates as a technology company, delivering innovative financial solutions to our members. As a remote organization, we thrive on collaboration and recognize outstanding performance. Quorum Federal Credit Union is the ideal workplace for self‑motivated individuals who are committed to organizational success and eager to join a dynamic team of professionals.
Why You'll Love Working at Quorum
We are a best‑in‑class employer, offering a unique and supportive work environment that fosters personal and professional growth. Our culture values teamwork, recognizes achievements, and provides the tools and resources needed to excel. If you are looking for a place where you can make a meaningful impact, enjoy a flexible and fulfilling work experience, and be part of a forward‑thinking team, Quorum is the perfect fit for you.
How
You'll Make an Impact
Your responsibilities include independent analysis of highly complex residential mortgage applications and making sound credit decisions in accordance with investor, agency, and company guidelines. This position supports high application volumes and must consistently achieve production levels, turn times, and accuracy expectations. You will also demonstrate adaptability, embrace new technologies, and contribute to continual improvement of the underwriting process.
What You'll Be Doing
Complexity: Analyze and independently underwrite highly complex mortgage products and scenarios, within your authority. Loan products will evolve with strategic direction, market demand, and investor/regulatory demands. Complexity includes large loan balances, layered risk, varying income sources, multiple income streams, and loan exceptions.Compliance: Underwrite all mortgage loan files in compliance with secondary market guidelines, product guidelines, credit union policies and procedures, and regulatory requirements.Risk Assessment: Exercise sound judgment when evaluating overall loan risk and determining loan eligibility to align with company risk tolerance and lending policies.Production and Turn Times: Achieve required daily production levels and established turn times. Expectations will increase with product/process streamlining and automation.Accuracy: Review and validate standard documentation such as income, asset, credit, and collateral. Maintain exceptional accuracy and consistency in underwriting functions, ensuring that system data and calculations (e.g., DTI, LTV, rate, and other loan metrics) are accurately updated and aligned with documentation.Technology Utilization: Utilize automation solutions, including Automated Underwriting System (AUS) and income calculation tools, to ensure efficiency and operational controls. Adopt new automation tools, systems, and process changes as implemented.Loan Stages: Perform underwriting functions in all stages of the application, including initial decision, condition review, and final underwriting approval.Pipeline Management: Manage daily pipelines by prioritizing tasks and communicating proactively with processors and loan officers. This includes loans from multiple lending channels and various application stages.Escalation: Identify and raise higher‑risk or exception files to senior underwriting staff as appropriate.Continuous Learning: Stay current with underwriting guidelines and technology; attend training sessions to build product and regulatory knowledge.Collaboration: Exhibit a positive, collaborative team attitude, assisting peers and contributing to a supportive work environment. Maintain a positive work atmosphere through professional communication with members, co‑workers, management, partners, and vendors.Other Duties: Perform additional duties as required.Scope
The Mortgage Underwriter II works under minimal supervision, exercising independent judgment. The role requires action‑oriented, self‑motivated, creative, and highly functional behavior.
What You Bring to the Team
- Bachelor's degree in finance, business administration, or a related field (preferred).
- Minimum of six to ten years of related experience at a credit union, bank, or other financial…
To View & Apply for jobs on this site that accept applications from your location or country, tap the button below to make a Search.
(If this job is in fact in your jurisdiction, then you may be using a Proxy or VPN to access this site, and to progress further, you should change your connectivity to another mobile device or PC).
Search for further Jobs Here:
