Job Description

*Description*
The Credit Underwriter is to issue credit decisions based on the documented borrower profile within the guidelines of the program and client requirements. Underwriters are to meet the minimum daily production goals plus clearing conditions and perform within department audit standards.
This position is classified as a Transactional Employee (TE). Transactional Employees are assigned to work on an "as needed" or project basis. The variable nature of the transactional role cannot guarantee a 40-hour work week. Transactional employees are typically designated to work on a deal or a particular client assignment. At times, work may be reduced, and there may be occasional periods of no work. Efforts will be made to assign work, but work is entirely dependent on client needs.
Underwrite residential mortgage loans in accordance with Conventional guidelines.
Input of data and analysis of findings in Loan Prospector, Desktop Underwriter, Asset wise, other AUS engines, and OES.
Identify and assess overall risk and potential fraud exposure resulting from clients' underlying business practices.
Meet the minimum daily production goals and quality targets plus clearing conditions and perform within department audit standards.
Will be assigned to a team that has received flow loans:
ii. 28 different flow clients 220-300 a day
iii. Bulk transactions a population of loans
iv. Production standpoint.
1. They do see it all.
2. 2-3 per day
3. Or 5-6 per day, depending on the type of loans they are getting.
a. Investor loans have no income.
Review of credit reports to determine credit patterns, current liabilities, outstanding judgments, and collections.
Review of residential mortgage appraisal forms and calculations of Loan to Value ratios.
Analyze income from salaried, commissioned, self-employed, investments, fixed income sources.
Analyze assets statements for all types of asset accounts.
Ability to work overtime and weekends if needed.
Perform other related duties as assigned.
Essential Knowledge, Skills, & Abilities:
Ability to work in a fast-paced, metrics driven environment.
Strong analytical and problem-solving skills.
Ability to prioritize multiple objectives to meet client deadlines and department goals.
Excellent verbal and written communication skills.
Proficient knowledge of Microsoft Office Suite, including Word, Excel, and PowerPoint.
Strong underwriting knowledge of Prime or standard Full Documentation.
Ability audit standard full documentation program clients.
In-depth knowledge HVCC, guidelines and requirements along with all federal, state, and local compliance regulations to include, Truth in Lending and Equal Credit Opportunity laws.
In-depth knowledge of the total closing function to include, underwriting conditions prior to closing, closing instructions and procedures, and RESPA.
Up-to-date knowledge in Fannie/Freddie guidelines, back-end quality control and fraud audit experience.
Must be able to use Desktop Underwriter (DU), Loan Prospector (LP) and other LOS (loan operations systems).
Commitment and ability to cultivate a diverse and inclusive work environment.
Education:
High School Diploma or equivalent.
Associate degree or equivalent industry experience required.
*Top Skills Details*
Jumbo loan underwriting, manual underwriting
#priorityeast
*Job Type & Location*This is a Permanent position based out of St. Louis, MO.
*Pay and Benefits*The pay range for this position is $66560.00 - $83200.00/yr.
As you are getting questions from TE candidates about Benefits you can use this as reference for how the TE Benefits work and what we offer.


Here is a snapshot of the TE benefits that we offer that can be shared verbally with candidates as well.


* Medical Plans - 2 different plans offered
* Goodpath - available at no cost if enrolled in a Covius medical health plan. Virtual care for pain, stress, sleep, etc.
* Health Savings Account - tax free savings account. Eligible if enrolled in a medical health plan
* Dental - 2 different plans offered
* Vision - one plan offered
* Life and Disability - company paid employee basic life and AD&D insurance. Can purchase supplemental life and/or AD&D coverage
* Supplemental Insurance - can purchase accident, hospital indemnity, and/or critical illness supplement insurance
* Medicare - free online resources for anyone who is Medicare-eligible
* Employee Assistance Program - 24/7 access to life assistance resources at no cost
* 401 (K) Retirement Savings - up to 3% company match, fully vested in company contributions after 1 year


Eligibility for TEs goes into effect on the 1st of the month after 30 days of hire (ex - hired 1/5/26 benefits would be eligible on 3/1/2026). Benefits do remain active for the entirety of the plan year even as volumes or projects fluctuate so TEs are still responsible for premiums while they are an active employee with us whether through recouping payments when they get reassigned to work or setting up payment through Benefits Team. They are required under ACA to qualify each plan year based on hours worked and must average 30+ hours during lookback period to qualify for the next plan year.


Just so everyone has as talking points for questions but please let us know if there is anything else we can send or clarify.
*Workplace Type*This is a fully remote position.
*Application Deadline*This position is anticipated to close on Jan 13, 2026.
h4> About TEKsystems:

We're partners in transformation. We help clients activate ideas and solutions to take advantage of a new world of opportunity. We are a team of 80,000 strong, working with over 6,000 clients, including 80% of the Fortune 500, across North America, Europe and Asia. As an industry leader in Full-Stack Technology Services, Talent Services, and real-world application, we work with progressive leaders to drive change. That's the power of true partnership. TEKsystems is an Allegis Group company.

The company is an equal opportunity employer and will consider all applications without regards to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law.

About TEKsystems and TEKsystems Global Services


We're a leading provider of business and technology services. We accelerate business transformation for our customers. Our expertise in strategy, design, execution and operations unlocks business value through a range of solutions. We're a team of 80,000 strong, working with over 6,000 customers, including 80% of the Fortune 500 across North America, Europe and Asia, who partner with us for our scale, full-stack capabilities and speed. We're strategic thinkers, hands-on collaborators, helping customers capitalize on change and master the momentum of technology. We're building tomorrow by delivering business outcomes and making positive impacts in our global communities. TEKsystems and TEKsystems Global Services are Allegis Group companies. Learn more at TEKsystems.com.

The company is an equal opportunity employer and will consider all applications without regard to race, sex, age, color, religion, national origin, veteran status, disability, sexual orientation, gender identity, genetic information or any characteristic protected by law.

Job Tags

Permanent employment, Casual work, Self employment, Work at office, Local area, Weekend work,

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