Remote Mortgage Underwriter I Job at Visio Lending, Austin, TX

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  • Visio Lending
  • Austin, TX

Job Description

Underwriter I

The Underwriter I is responsible for evaluating and analyzing loan documents to ensure compliance with company policies, investor guidelines, and regulatory requirements. This role focuses on reviewing lower-complexity documents while building expertise in credit analysis, risk assessment, and underwriting best practices. You will play an essential role in maintaining loan quality, supporting team workflows, and ensuring a seamless customer experience.

What You'll Do

  • Review and evaluate loan documents to determine borrower eligibility and identify potential fraud
  • Identify when a file deviates from standard requirements and escalate when needed
  • Complete underwriting tasks according to program requirements, internal guidelines, and legal/regulatory standards
  • Ensure loans follow investor and company policies, SOPs, and compliance rules
  • Maintain acceptable turnaround times and service-level expectations
  • Review corporate documentation for entity borrowers
  • Research property taxes to determine appropriate escrows
  • Review title commitments to ensure alignment with company and investor guidelines
  • Confirm all lending conditions are met prior to closing
  • Assist underwriters by responding to urgent or time-sensitive emails to manage workflow volume
  • Run QC tools (FraudGuard, LexisNexis, etc.) and update system records accurately
  • Provide excellent customer service throughout the underwriting process
  • Collaborate cross-functionally to support efficient workflows and process improvements
  • Completing other responsibilities and duties as assigned based on business needs
  • Authorized Remote Locations: AL, AR, AZ, FL, GA, IL, IN, KS, KY, LA, NC, SC, TX, UT
  • Work Schedule: Monday - Friday: 8:30 am - 5:30 pm CST
  • Salary Range: $29.80 - $40.04/hr (Non-Exempt/Hourly/Overtime Eligible)

What We Are Looking For:

  • 2+ years of experience in the mortgage industry with strong knowledge of Non-QM documentation
  • Solid manual underwriting skills
  • Tech-savvy, with the ability to learn and navigate multiple systems
  • Strong documentation review skills with the ability to spot discrepancies and ensure compliance
  • Proven ability to manage time-sensitive tasks and meet deadlines
  • Completion of all required training by designated timelines
  • Reliable, team-oriented, and proactive in a fast-paced environment
  • Proficiency in Microsoft Word and Excel
  • High School Diploma or GED required
  • Internal Applicants: Must meet minimum qualifications and have no recent disciplinary actions

What We Prefer to Find:

  • Someone with experience with Non-QM Loans
  • Someone with experience with underwriting DSCR loans
  • Someone with an Associate and/or bachelor's degree in business or a related industry area major
  • Someone with experience with Calyx Point and SalesForce

Job Tags

Hourly pay, Monday to Friday

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