Use your mortgage income expertise from home. As an Employment Income Specialist, you’ll be the go-to partner for Sales, Underwriting, and Operations, turning complex self-employed, rental, and variable income into clear, accurate qualifying numbers that make or break a deal.
About Union Home Mortgage
Union Home Mortgage is a nationwide mortgage lender committed to treating every team member like a Partner, not just an employee. They focus on doing the right thing for borrowers and Partners alike, with a strong culture of inclusion, education, and growth. At UHM, diversity and equity are built into the way they hire, develop, and promote, so you know you #UBelongAtUHM.
Schedule
- Fully remote position within the United States
- Full-time role in the Underwriting category
- Collaborative work with Sales, Underwriting, and Operations teams
- Turnaround expectation of 24–48 hours on income analysis
What You’ll Do
- Maintain and work from the Self-Employed Income Dashboard to calculate income for self-employed borrowers (Schedule C, Partnerships, S Corps, Corporations, and Rental Income)
- Review profit & loss statements and balance sheets to support accurate, stable income calculations
- Maintain the Income Dashboard for commissions, bonuses, and all variable or fluctuating income sources
- Ensure income is calculated as stable, predictable, and fully supportable for qualifying purposes
- Review, analyze, and certify self-employed, rental, fluctuating, and variable income for all agencies offered by UHM (FHA, VA, Conventional, USDA, etc.)
- Stay current on all applicable Agency guidelines and correctly apply them to income scenarios
- Consistently meet a 24–48 hour turnaround time on income analysis requests
- Use IncomeGenius for all self-employed income calculations
What You Need
- High school diploma or equivalent required
- Minimum 3 years of experience working with FHA, VA, Conventional, and USDA income guidelines
- Demonstrated knowledge of self-employment income calculation
- General understanding of Agency guidelines for self-employed, rental, and fluctuating/variable income
- Experience computing income for FHA, VA, Conventional, and USDA loans
- Ability to make firm income decisions and clearly explain how you arrived at them
- Strong attention to detail and ability to identify missing or needed information to determine accurate income
- Collaborative mindset with the ability to share knowledge and assist coworkers
Benefits
- Fully remote position with the stability of a well-established mortgage lender
- Opportunity to specialize as the income “go-to” for multiple departments
- Inclusive culture that emphasizes diversity, equity, and partner development
- Eligible for Union Home Mortgage’s full-time Partner benefits package (details provided during the hiring process)
If you’re the person everyone already calls when income gets messy, this is your chance to lean all the way into that skill set—remotely.
If you want a fully remote underwriting-adjacent role where your judgment and accuracy really matter, this is one to jump on.
Happy Hunting,
~Two Chicks…