Prime Lenders Solutions Collateral Underwriter Remote $55-70K Per Year Remote · Full time

Apply for Collateral Underwriter Remote $55-70K Per Year

We’re a customer-focused financial institution dedicated to helping homeowners access the equity in their homes with speed, accuracy, and care. Our team thrives on collaboration, attention to detail, and delivering exceptional service at every step of the lending process.

KEY RESPONSIBILITIES

·  Review residential appraisal reports, automated valuation products, property condition information, and related collateral documentation in accordance with company and client-specific portfolio guidelines.

·  Assess property eligibility, marketability, valuation support, appraisal quality, data consistency, and potential collateral risk.

·  Compare appraisal conclusions with available property records, valuation tools, photographs, maps, and other supporting information.

·  Identify and evaluate concerns involving comparable selection, adjustments, market trends, property condition, zoning, land use, occupancy, unique property characteristics, and valuation methodology.

·  Determine whether additional documentation, appraisal revisions, clarification, secondary valuation products, or escalated review is required.

·  Issue clear, well-supported collateral approvals, conditions, suspensions, or escalations within delegated authority and established guidelines.

·  Review and clear collateral conditions efficiently to support timely loan closings and movement to clear-to-close status.

·  Document findings, rationale, conditions, and file status clearly and thoroughly within Blue Sage Solutions and the applicable loan origination workflow.

·  Maintain timely, meaningful notes so processors, loan officers, brokers, operations staff, and management can readily understand the collateral status of each loan.

·  Manage a task-based pipeline involving limited touches per file while meeting established service-level agreements, productivity expectations, and quality standards.

·  Collaborate with processors, underwriters, loan officers, brokers, appraisal management contacts, operations staff, and management to resolve collateral questions and file issues.

THE CANDIDATE WE ARE LOOKING FOR

The strongest candidate will combine detailed appraisal review skills with practical judgment and a constructive, solutions-oriented approach. The successful candidate will be comfortable identifying risk, explaining findings clearly, and making consistent decisions within a company-specific portfolio framework.

·  Positive, professional, and collaborative disposition.

·  Strong attention to detail without losing sight of overall collateral risk and loan execution.

·  Excellent organization, prioritization, and time-management skills.

·  Ability to manage multiple tasks and file stages independently in a remote environment.

·  Adaptability and patience while learning and helping improve a developing software platform and workflow.

·  Clear, concise, and thorough written documentation and communication.

·  Sound judgment, accountability, consistency, and a commitment to high-quality decisions.

QUALIFICATIONS

·  Demonstrated residential mortgage experience with substantial exposure to appraisal and collateral review.

·  Strong knowledge of residential appraisal reports, comparable sales analysis, adjustments, property condition, marketability, and valuation risk.

·  Ability to identify inconsistencies, unsupported conclusions, missing documentation, and potential red flags in collateral files.

·  Ability to interpret and consistently apply written portfolio collateral guidelines.

·  Ability to document collateral decisions and conditions clearly and accurately.

·  Ability to work effectively and independently in a 100% remote environment.

Preferred Experience

·  Senior mortgage processing experience that includes extensive appraisal review.

·  Current or prior collateral underwriting experience.

·  Residential mortgage underwriting experience with an interest in specializing in collateral review.

·  Experience reviewing collateral under Fannie Mae, Freddie Mac, FHA, VA, or USDA standards. This experience is helpful but is not the review standard for this role.

·  Portfolio, non-agency, home equity, HELOC, or HELOAN experience.

·  Experience with Blue Sage Solutions LOS or a task-based loan origination workflow.

·  Experience managing a consistent pipeline while meeting service-level and quality expectations.