Wholesale Underwriter
Job Details
Remote Location - Remote, AZ
Fully Remote
Full Time
High School
About Us & Who We're Looking For
  • Take a peek at your future! CLICK HERE

    Looking to enhance your career? Look no more. On Q Financial is one of the TOP mortgage lenders in the U.S. We Are…MORTGAGES SIMPLIFIED. If you join our family, you'll be working with:

  • Innovative and collaborative culture
  • High performing region & team
  • Supportive and experienced management
  • Transparency in communication from Company Leadership
  • It's no secret that we MOVE FAST and we're seeking highly motivated individuals who can keep up and want to be part of our growing company!

Qualifications & What's In It For You


  • Examine loan documentation for accuracy and completeness, while working with the mortgage broker to secure all required documents.
  • Review and verify income, employment, and credit history of the applicant, requesting additional information as needed.
  • Scrutinize accounts from which applicant’s funds originate.
  • Review property appraisal to see if property valued correctly to warrant the loan amount requested.
  • Underwrite and apply needed conditions to mortgage applications to assure borrower meets program/product specifications.
  • Communicate status and decisions (approval, suspense, denial) to the appropriate individuals in accordance with company SLA’s.



Education & Experience:

  • College graduate with business/finance major preferred.
  • Minimum of 5 years’ recent experience underwriting residential mortgage loans.
  • Experience with Encompass is a plus!

Knowledge, Skills, and/or Abilities for the Job:

  • Must have a thorough understanding of underwriting guidelines and the ability to evaluate loan risk.
  • Proficiency in underwriting complex personal/business tax returns and financial statements.
  • Thorough knowledge of MI policies.
  • Strong understanding of various document types and loan programs.
  • Must have strong analytical skills, including math and auditing.
  • Good decision-making skills, backed by relevant details and research.
  • Proficiency in Word and Excel or similar software packages.

Icing on the Cake:

  • Excellent interpersonal and communication skills, oral and written, with a focus on outstanding customer service.
  • Ability to work in a fast-paced, high volume environment, while practicing sound lending judgment.
  • Ability to work independently and be a self-starter, producing results in a timely manner.
  • Must be a team player.



  • Competitive base salary.
  • Opportunity to work remotely.
  • Comprehensive benefits package including: Medical, Dental & Vision.
  • Supplementary benefits: Voluntary Life, AD&D, LTD & STD.
  • Company-Sponsored Life, AD&D and LTD.
  • 401(K) Plans.
  • 15 days PTO (to start) & Observed Paid Holidays.
  • Diverse and inclusive atmosphere.
  • Work-life balance.

Productivity/Performance Standards:


  • Complete a minimum of 5-6 points per day.
  • Clear all resubmission requests within service level (48 hours of receipt).
  • All files to be underwritten in accordance with established policy and using reference job tools.


  • Ensure that all loan conditions properly satisfy specific investor requirements.
  • Lock reconciliation requested/completed accurately per policy to prevent pricing errors.
  • The loan file meets all compliance and regulatory requirements and is in salable condition.

Pipeline Management

  • Proactively assist the Underwriting Department in achieving service level of purchase transactions completed within company-mandated SLA’s.
  • Manage personal pipeline with a daily review of files for timely follow-up and submission of files in order to meet estimated closing and lock expiration dates.
  • Accurately update Encompass for every file at each submission or resubmission.
  • Provide timely responses to Management and Post-Closing.
  • Ensure that all loan decisions are provided within regulatory requirements (including approvals, suspensions, declinations, and needs letters).


  • Provide timely and positive communication with business partners, Processors, Mortgage Consultants, and Transaction Coordinators by utilizing the most current Alignment Sheet and the current communication templates.
  • Communicate all loan decisions to Mortgage Consultants and team with service level requirements.

Licenses and Certifications:

FHA Direct Endorsement and VA SAR/LAPP certifications a must



We live and breathe our core values: Support, Collaboration, Innovation, Fast-Paced & Pride! Our success over the past decade is largely due to our vision to hire the BEST people in the industry. Is that you? If so, JOIN OUR TEAM!


On Q Financial, Inc. is an Equal Opportunity Employer committed to excellence through diversity. We strongly encourage people of color, lesbian, gay, bisexual, transgender, non-binary, veterans & individuals with disabilities to apply. Diversity and inclusion are vital to fulfilling our mission to simplify the mortgage process to make the dream of homeownership a reality—for everyone.

Our Multicultural platforms are disrupting the industry which is only made possible by our diverse, unique, and inclusive family.  THE DREAM IS INCLUSIVE!


The Dream is Inclusive!
Every day, our Team Members of On Q Financial are reminded that The Dream is Inclusive!
Heroes Room Mural
Our Heroes Mural at Corporate Headquarters is dedicated to all of the men and women who serve as our first responders and military! Thank you for your service!
Dream Room Mural
Homeownership is for everyone. Take a peek at our Dream Room Mural at Corporate Headquarters that represent a variety of historical figures.
Cultura Room Mural
For our Cultura Mural at Corporate Headquaters, we took a historical approach to merge different Hispanic cultures. We wanted to celebrate and honor the Hispanic and Latino culture!