About this role
Job Summary: The Junior Underwriter supports the underwriting team by reviewing residential mortgage loan files for accuracy, completeness, and compliance with investor, agency, and regulatory guidelines. This full-time, remote position is responsible for analyzing borrower documentation, identifying conditions, and assisting with risk assessment under the guidance of Senior Underwriters. The Junior Underwriter plays a key role in ensuring high-quality loan decisions and timely file movement through the underwriting process during standard business hours of 8:30 AM to 5:30 PM CST.
About Us: Headquartered in Austin, TX, LoanPeople, LLC is founded by mortgage industry veterans with a track record of unparalleled success and offers award-winning in-house service from application to closing. Our keys to success include a proprietary marketing system developed by a top producer, heavy investment in the latest and best technology that is customized for best practices, and a flat organizational structure that keeps corporate costs down. People are at the heart of what we do, and we are growing fast and building our team quickly! We offer competitive salary, health insurance, 401(k), paid time off, and a casual work environment. Visit https://loanpeople.com to learn more.
Key Responsibilities
- Review residential mortgage loan files to ensure all required documentation is present, accurate, and complete
- Analyze borrower income, assets, credit, liabilities, and property documentation in accordance with agency, investor, and company guidelines
- Assist in identifying and clearing underwriting conditions
- Review appraisals, title reports, insurance, and other third-party documentation for compliance and accuracy
- Utilize automated underwriting systems (DU/LPA) and interpret findings
- Ensure loans meet regulatory and compliance requirements (e.g., TRID, Fair Lending, ATR/QM)
- Update and/or clear funding conditions (PITIA, expiration dates, cash to close, loan amount changes, etc.)
- Communicate clearly and professionally with Loan Officers, Processors, and internal teams regarding file requirements and conditions
- Escalate complex or high-risk scenarios to Senior Underwriters or Management as appropriate
- Assist post-closing department review and/or rebut investor conditions, working closely with underwriting, closing and secondary department to resolve discrepancies.
- Assist post-closing department with preparing, reviewing, and submitting loan files for mortgage insurance endorsement to ensure compliance with FHA, VA and USDA requirements.
- Maintain productivity and quality standards while meeting established turn times
- Stay current on underwriting guidelines, investor updates, and policy changes
Knowledge, Skills, and Abilities
- Working knowledge of residential mortgage loan programs (Conventional, FHA, VA, USDA) required.
- Basic understanding of credit reports, income calculation, and asset documentation
- Strong attention to detail and organizational skills
- Ability to analyze financial documentation and identify discrepancies
- Effective written and verbal communication skills
- Ability to manage multiple files in a fast-paced environment
- Proficient with loan origination systems (e.g., Encompass, Byte) and Microsoft Office
Education and Experience
- High school diploma or equivalent required; associate or bachelor’s degree preferred
- 1–3 years of experience in mortgage lending (processing, underwriting assistant, or QC preferred)
- Prior experience with automated underwriting systems (DU/LPA) is required. Prior experience with USDA GUS is a plus.
Licensing / Certifications (Preferred but Not Required)
- FHA Direct Endorsement (DE) or VA LAPP experience a plus
- Relevant mortgage or underwriting certifications a plus
Work Environment & Schedule Requirements
- Fully remote position
- Must maintain a dedicated, secure home workspace suitable for confidential mortgage data
- Required to work a consistent schedule of 8:30 AM – 5:30 PM CST, Monday through Friday
- Overtime may be required during peak volume periods
LoanPeople is an equal employment opportunity employer.
Other facts
About LoanPeople
Customers deserve great rates and service. At the heart of LoanPeople is: people. Headquartered in Austin, TX, LoanPeople is founded by industry veterans. In-house operations: processing, underwriting, closing, and funding. LoanPeople offers award-winning service and support.
LoanPeople strives to be the company of choice for employees to grow their careers, business partners to refer their clients, and consumers to close their home loans. To achieve this vision, LoanPeople offers a superior platform for originator success through exceptional rates, products, technology, marketing, and operations. We deliver the highest levels of service, efficiency, consistency, and communication, which strengthens our connection to customers and business partners.
Copyright © LoanPeople® (NMLS: 1886352 | nmlsconsumeraccess.org). All rights reserved. Financing by LoanPeople, LLC. LoanPeople.com. HQ: 3420 Exec. Center Dr. #300, Austin, TX 78731. Equal Housing Lender. All apps. must be submitted in writing. Not all applicants will qualify. All loans subject to borrower & prop. quals. At publication, info is current, but w/out notice conds. subject to change, incl. but not limited to: rates, fees, & terms. Georgia Mortgage Lender Licensee: 1886352. Bus. entities other than LoanPeople on this material are not affiliated. Contact, lic., consumer complaints: LoanPeople.com/CCRFN.
What you'll do
- The Junior Underwriter reviews residential mortgage loan files for accuracy and compliance, analyzes borrower documentation, and assists with risk assessment. They ensure high-quality loan decisions and timely file movement through the underwriting process.
Ready to join LoanPeople?
Take the next step in your career journey