This role puts you in the driver’s seat of credit risk decisions, directly impacting loan quality, speed to close, and customer trust. If you’re sharp on agency guidelines and calm under pressure, you’ll thrive here.
About JMAC Lending
JMAC Lending is a mortgage lender with 25+ years in wholesale and correspondent lending, known for competitive products and a service-forward approach. They emphasize ongoing education, strong ethics, and operational discipline to help partners grow.
Schedule
- Full-time, remote
- Monday–Friday
- Working hours vary across underwriter time zones
What You’ll Do
- Review full loan files for compliance and quality (AUS findings, credit, income, assets, title, appraisal, purchase contract, escrow, occupancy, and red flags)
- Run DU/LP and complete final AUS assessments
- Clear and resolve underwriting conditions with urgency and accuracy
- Document decisions and enter loan data into the operating system correctly
- Review internal overlays and investor matrices to ensure guideline adherence
- Apply fraud detection practices and request additional documentation when risk factors appear
- Partner with post-closing to resolve pre-funding or post-purchase discrepancies
- Communicate decisions clearly and professionally via email and phone
- Maintain strong responsiveness with brokers and sales teams to support a smooth process
What You Need
- 2+ years of recent underwriting experience across conventional loan products
- Up-to-date knowledge of current guidelines, policies, and procedures
- Strong working knowledge of FNMA/FHLMC and investor guidelines
- Ability to manage multiple files and priorities in a fast-paced environment
- Excellent attention to detail, organization, and documentation habits
- Strong written and verbal communication skills to explain decisions and gather clarity quickly
Benefits
- Medical, dental, and vision coverage
- Life insurance options (basic, voluntary, AD&D)
- Paid time off for vacation and holidays
- 401(k) retirement plan
- Short-term and long-term disability
- Family leave benefits
- Wellness resources
Competitive pay range: $77,000–$92,000/year plus bonus.
If you’re not rock-solid on current agency guidance, this job will expose it fast. But if you are, this is a clean remote underwriting lane with real upside.
Happy Hunting,
~Two Chicks…