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Underwriter II, FHA/Conventional
Employment Type:
Direct Hire
Job Number: 9065
Pay Rate: 85,000
Job Description
Mortgage Underwriter
Location: Fully Remote (EST or CST time zones preferred)
Employment Type: Full-Time
Salary: $85,000–$90,000 annually, plus overtime eligibility and bonus based on loan volume
Work Environment: Remote
Position Overview
Wheeler Staffing Partners is seeking an experienced and detail-oriented Mortgage Underwriter with active Direct Endorsement (DE) certification to support underwriting operations in a high-volume, fast-paced lending environment. This fully remote role is responsible for underwriting Conventional and FHA loans while ensuring compliance with investor, agency, and regulatory guidelines.
The ideal candidate brings strong analytical skills, deep experience reviewing complex income documentation, and the ability to manage a consistent underwriting pipeline. This position offers overtime eligibility and performance-based bonuses tied to loan production volume.
Key Responsibilities
Loan Underwriting and Credit Analysis
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Underwrite Conventional and FHA mortgage loan files in accordance with investor, agency, and regulatory guidelines
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Review complete loan packages including credit reports, income documentation, asset verification, and appraisals
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Analyze personal and business tax returns to assess borrower qualification and repayment capacity
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Evaluate loan documentation for accuracy, completeness, and compliance with underwriting standards
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Identify and investigate potential fraud risks, discrepancies, or inconsistencies within loan files
Decisioning and Loan Approval Process
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Issue underwriting decisions, including approvals, suspensions, and denials, in a timely manner
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Communicate underwriting decisions clearly to loan originators, processors, and internal stakeholders
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Work with Loan Originators and Processors to resolve loan issues and restructure loans when appropriate
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Review and clear underwriting conditions to ensure loan readiness for closing
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Ensure all underwriting conditions are satisfied prior to final loan approval and closing
Compliance and Regulatory Alignment
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Maintain compliance with FHA, Conventional, and applicable government agency underwriting guidelines
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Stay current on investor overlays, regulatory requirements, and mortgage underwriting standards
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Collaborate with internal teams to ensure adherence to policies and regulatory requirements
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Maintain proper documentation and audit readiness for all underwriting decisions
Cross-Functional Collaboration and Workflow Management
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Partner with Processing, Closing, and Sales teams to ensure efficient loan progression
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Communicate with investors and agencies to resolve underwriting or documentation questions
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Manage underwriting pipeline effectively to meet daily productivity and turnaround expectations
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Support continuous improvement of underwriting workflows and operational efficiency
Required Qualifications
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Minimum 5 years of recent mortgage underwriting experience
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Active FHA Direct Endorsement (DE) certification required
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Experience underwriting Conventional and FHA mortgage loans
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Experience reviewing loan amounts typically ranging from $150,000 to $600,000
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Strong experience analyzing personal and business tax returns and complex income structures
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Experience reviewing appraisals, title commitments, and supporting loan documentation
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Ability to identify fraud indicators and documentation inconsistencies
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Strong knowledge of investor guidelines, agency standards, and mortgage regulations
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Excellent written and verbal communication skills
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Ability to manage high-volume pipelines and meet production goals
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Ability to work independently in a remote environment
Preferred Qualifications
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VA underwriting experience and designation strongly preferred
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Experience using Encompass loan origination system
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Prior experience working in a fully remote underwriting role
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Experience in paperless or digital mortgage underwriting environments
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Strong analytical, organizational, and decision-making skills
Key Skills and Competencies
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Mortgage Underwriting
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FHA and Conventional Loan Underwriting
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Direct Endorsement (DE) Certification
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Credit Risk Analysis
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Income and Tax Return Analysis
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Loan Compliance and Regulatory Knowledge
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Fraud Detection and Risk Assessment
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Loan Origination Systems (Encompass preferred)
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Pipeline Management and Productivity
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Attention to Detail and Decision-Making
Compensation and Benefits
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Salary: $85,000–$90,000 annually
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Overtime eligibility
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Bonus structure based on loan volume and production
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Fully remote work environment
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Opportunity to work with a growing and high-performing lending team
Why Work with Wheeler Staffing Partners
Wheeler Staffing Partners connects talented professionals with leading organizations across financial services, healthcare, and corporate industries. Our team is committed to supporting your career growth by providing access to meaningful opportunities, competitive compensation, and ongoing support throughout your placement. We prioritize strong partnerships, transparent communication, and helping you achieve long-term career success.
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