Position Description

Mortgage Underwriter
Location Remote
Job Code 478
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Here at Atlantic Bay, we focus on genuinely caring for both our customers and team. We pride ourselves on being adaptable and energetic, especially in fast-paced environments! Our goal is to continuously inspire growth, for each of our team members to reach their goals and aspirations, all the while having fun. We’re in the business of lending peace of mind, whenever, wherever, however.


Atlantic Bay Mortgage Group, recently voted #1 in the nation as the best large mortgage company to work for by National Mortgage News, is seeking a Remote Mortgage Underwriters to join our team!


These skilled individuals should have a common-sense lending approach, understanding that each file isn’t just another number, but a family trying to achieve their dream of homeownership. They must have a strong understanding of the various documentation types, loan programs as well as the overall general underwriting guidelines, while practicing sound lending judgment.  


What you’ll be doing

  • Working in a fast-paced operations environment, meeting all production-based performance criteria for quality of workmanship and quantity of production volume.
  • Calculating income, including tax return analysis, and properly cataloging findings into a concise effective written summary.
  • Having a thorough understanding of credit and reviewing complex financial documents.
  • Assessing an individual's creditworthiness while adhering to all regulatory and compliance requirements.
  • Making credit recommendations.
  • Assessing the information obtained and determining if it validates the information used to qualify the borrower at the time of modification offer.  


What you’ll bring

  • 3-5 years’ experience in frontline mortgage underwriting required
  • Working knowledge with Conventional, FHA and VA product guidelines required.
  • Strong ability to think “outside of the box” to obtain the required information
  • Excellent written and verbal communication skills
  • Proficiency with DU and LP
  • Direct Endorsement Certification preferred
  • CHUMS# preferred
  • SAR preferred
  • Underwriting certifications a plus, but not required
  • Secondary market experience a plus, but not required
  • Bond/USDA experience a plus, but not required
  • Associates degree or equivalent experience
  • 5+ years’ experience with Microsoft Office suite of products; demonstrated ability with Excel, Word, and Adobe PDF
  • Bilingual (English/Spanish) a plus, but not required
  • Be able to work M-F 8:30a - 5:30p Eastern Time (Overtime may be required at times)



Atlantic Bay offers a dynamic benefits package that includes a competitive base salary, eligibility for monthly bonuses, health insurance, 401(k), PTO, paid volunteer time and your birthday off with pay!  Who doesn't love that! 


If you have a passion for helping people lead their best life; Come ride the wave home to Atlantic Bay!

#GrowWithUs #WorkLifeBalance

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Atlantic Bay Mortgage provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, sexual orientation, age, disability or genetics. In addition to federal law requirements, Atlantic Bay Mortgage complies with applicable state and local laws governing nondiscrimination in employment in every location in which the company has facilities.