抵押贷款承销员
Mortgage Underwriter
关于Altisource
Altisource是抵押贷款和房地产行业集成服务和技术的领先提供商。我们的解决方案支持完整的抵押贷款生命周期，从发放到管理，帮助客户管理风险、保持合规性并高效扩展。我们以创新、服务卓越和监管诚信为核心，提供技术驱动的解决方案，解决整个行业中的复杂业务挑战。
职位描述
Altisource正在寻找一位经验丰富的HECM（房屋净值转换抵押贷款）承销员，以支持我们不断增长的反向抵押贷款发放平台。在此职位中，您将负责承销FHA保险的反向抵押贷款，确保符合HUD指南、投资者要求和内部信用及运营标准。理想的候选人应具备扎实的HECM承销知识、房产资格要求、收入和财务评估分析以及成功贷款发放和保险所需的质控流程。
您将负责
· 根据HUD、FHA、投资者和公司承销指南，审查、分析和承销HECM贷款文件。
· 完成全面的财务评估，包括收入、资产、负债、剩余收入计算和房产费用评估。
· 评估借款人资格、居住要求和反向抵押贷款的咨询合规要求。
· 审查估价报告和抵押品文件，确保房产资格和符合FHA及投资者标准。
· 分析产权承诺、房产所有权结构、信托、终身地产和其他与HECM交易常见的产权情况。
· 识别并清晰地向处理团队、客户关系经理和贷款发起人沟通承销条件、文件缺陷和风险因素。
· 确保贷款符合FHA保险要求和投资者可销售标准，同时保持既定的生产力和服务水平期望。
· 保持完整准确的贷款文件，以支持监管合规、审计准备和质量保证要求。
· 解释和应用HUD抵押人信函、FHA政策更新和投资者叠加条款，用于承销决策。
· 与履行、处理、结案和质量控制团队合作，促进高效的贷款结案和卓越的客户服务。
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About Altisource
Altisource is a leading provider of integrated services and technology for the mortgage and real estate industries. Our solutions support the full mortgage lifecycle, from originations through servicing, helping clients manage risk, maintain compliance, and scale efficiently. With innovation, service excellence, and regulatory integrity at our core, we deliver technology-enabled solutions that solve complex business challenges across the industry.
The Role
Altisource is seeking an experienced HECM (Home Equity Conversion Mortgage) Underwriter to support our growing reverse mortgage origination platform. In this role, you will be responsible for underwriting FHA-insured reverse mortgage loans, ensuring compliance with HUD guidelines, investor requirements, and internal credit and operational standards. The ideal candidate will possess strong knowledge of HECM underwriting, property eligibility requirements, income and financial assessment analysis, and quality control processes necessary for successful loan delivery and insurability.
What You'll Do
· Review, analyze, and underwrite HECM loan files in accordance with HUD, FHA, investor, and company underwriting guidelines.
· Complete comprehensive financial assessments, including income, assets, liabilities, residual income calculations, and property charge evaluations.
· Evaluate borrower eligibility, occupancy requirements, and counseling compliance requirements for reverse mortgages.
· Review appraisals and collateral documentation to ensure property eligibility and compliance with FHA and investor standards.
· Analyze title commitments, property ownership structures, trusts, life estates, and other vesting scenarios commonly associated with HECM transactions.
· Identify and clearly communicate underwriting conditions, documentation deficiencies, and risk factors to processing teams, Client Relationship Managers, and loan originators.
· Ensure loans meet FHA insurability requirements and investor salability standards while maintaining established productivity and service-level expectations.
· Maintain thorough and accurate loan documentation to support regulatory compliance, audit readiness, and quality assurance requirements.
· Interpret and apply HUD Mortgagee Letters, FHA policy updates, and investor overlays to underwriting decisions.
· Collaborate with fulfillment, processing, closing, and quality control teams to facilitate efficient loan closings and exceptional client service.
· Support post-underwriting reviews, loan audits, and quality control initiatives as needed.
· Maintain current knowledge of reverse mortgage regulations, FHA/HUD requirements, and industry best practices.
What You Bring
· Minimum 3+ years of mortgage underwriting experience, with direct HECM/reverse mortgage underwriting experience strongly preferred.
· Strong working knowledge of FHA HECM underwriting guidelines, HUD regulations, and reverse mortgage program requirements.
· Experience performing financial assessments and residual income analyses for reverse mortgage borrowers.
· Proficiency reviewing and interpreting:
· FHA Connection
· HERMIT® or equivalent reverse mortgage origination systems
· ReverseVision (RV Exchange) or similar HECM platforms
· Automated valuation and appraisal review tools
· Knowledge of:
· HUD Mortgagee Letters
· FHA property eligibility requirements
· Title and vesting review
· Trust and Power of Attorney documentation
· Non-borrowing spouse requirements
· Life expectancy set-asides (LESA)
· Ability to identify and mitigate underwriting risk while maintaining compliance with FHA insurability standards.
· Strong understanding of mortgage fraud prevention, compliance controls, and quality assurance processes.
· Excellent written and verbal communication skills with the ability to clearly articulate underwriting decisions and conditions.
· Strong organizational skills and ability to manage a high-volume pipeline while maintaining quality and service standards.
· High attention to detail, sound judgment, and a compliance-focused mindset.
Preferred Qualifications
· DE Underwriter designation or FHA underwriting experience.
· Prior experience underwriting proprietary reverse mortgage products within the past 6 months
· Experience in a delegated underwriting environment.
· Familiarity with secondary market delivery requirements and investor overlays.
· Previous experience supporting high-volume mortgage fulfillment operations.
Why Join Altisource
· Opportunity to work with a leading provider of mortgage technology and fulfillment solutions.
· Collaborative and performance-driven culture.
· Exposure to a diverse client portfolio and national lending programs.
· Competitive compensation and benefits package.
· Opportunities for professional development and career growth.
THE PERKS OF WORKING AT ALTISOURCE
Work Environment
· 100% remote position - US Based candidates only
Compensation
· The expected pay range for this role is $36.50 per hour, depending on experience, skills, and qualifications. Actual compensation may vary based on job‑related factors and geographic location.
Good Health
· Comprehensive medical coverage
· Life insurance and personal accident benefits
Time to Recharge
· Paid company holidays (including the day after Thanksgiving)
Our Innovation Starts with YOU!
Altisource’s Vision to drive innovation that powers the mortgage and real estate lifecycle is made possible by an inclusive culture that celebrates the diverse voices of our employees. We believe that diversity in gender, age, religion, ethnicity, sexual orientation, identity, physical ability, neurodiversity, socioeconomic background, and experience, fosters creativity, challenges groupthink, and makes our Company stronger. At Altisource, anyone can prosper and have a positive impact on our path toward success, irrespective of their background.
We are committed to fair and impartial hiring, training, and growth opportunities. We also provide employee training to help foster their ability to work with one another in an inclusive manner. Altisource is an Equal Opportunity Employer, and our employment decisions are based on merit, qualifications, and business needs.