Be the person everyone calls when a loan scenario gets weird. As a PhD, Underwriting Helpdesk specialist, you support Sales, Underwriting, and Operations with clear, compliant answers on tough files so deals can move forward with confidence. If you like decoding guidelines and solving problems in real time, this is your lane.
About Union Home Mortgage
Union Home Mortgage is a nationwide mortgage lender that treats every employee as a Partner, not just a number. They are committed to building an inclusive, education driven culture where Partners from all backgrounds can grow and excel. Compliance, clarity, and service sit at the heart of how they support Loan Officers, Processors, and Underwriters, and every Partner is reminded daily that they #UBelongAtUHM.
Schedule
- Fully remote, full time role
- Fast paced environment with strict 24 to 48 hour turn time expectations
- Daily collaboration with Loan Officers, Underwriters, Processors, and agency contacts across Retail and TPO channels
What You’ll Do
⦁ Maintain 24 to 48 hour turn times while responding to underwriting scenario questions and guideline clarification requests
⦁ Communicate daily with Loan Officers, Underwriters, and Processors to resolve file level issues and provide clear guidance
⦁ Research AllRegs and agency guidelines to support accurate, compliant answers on FHA, VA, USDA, Conventional, HFA, and Non QM scenarios
⦁ Interact with Fannie Mae, Freddie Mac, FHA/HUD, USDA, VA, and HFA agencies as needed for clarification and alignment
⦁ Track and maintain a list of trending underwriting scenarios and use those insights to recommend more efficient processes across operations and originations
⦁ Attend and participate in company wide Operations huddles to share updates, trends, and guidance
⦁ Maintain the Self Employed Income Dashboard, including reviewing tax returns, identifying missing documentation, and submitting income packages to IncomeGenius
⦁ Draft and distribute weekly communications on common or emerging topics that surface on the Underwriting Helpdesk
⦁ Troubleshoot Encompass issues from application through processing, including DU errors, address corrections, DTI calculation problems, and credit reporting issues
⦁ Support Partners across Retail and TPO channels with knowledge of channel specific overlays and guidelines, contributing to the overall efficiency of the Power Help Desk
What You Need
⦁ High school diploma or equivalent
⦁ Minimum 5 years of experience working with FHA, VA, Conventional, USDA, VA, and HFA guidelines
⦁ Complete knowledge of the mortgage industry and agency products
⦁ Non QM experience preferred
⦁ Knowledge of FHA, VA, USDA, Conventional, and HFA agencies, plus RESPA requirements and Good Faith Estimate preparation and disclosure
⦁ Strong verbal and written communication skills with the ability to translate complex guidelines into clear direction
⦁ Solid technology skills, including MS Office Suite and preferred experience with Encompass
⦁ Detail oriented, highly organized, and skilled at multitasking in a deadline driven environment
⦁ Ability to identify and resolve issues quickly and use sound judgment when making decisions that impact Partners and the business
Benefits
⦁ Fully remote role with a national, established mortgage lender
⦁ High visibility position as a go to expert for complex loan scenarios
⦁ Inclusive, Partner focused culture with real opportunities for growth and specialization
⦁ Eligibility for Union Home Mortgage’s full time Partner benefits package (health, retirement, PTO, and more; details provided during hiring)
If you are already the unofficial “guidelines guru” on your team, this is your chance to make that your actual job description.
Happy Hunting,
~Two Chicks…