Job Description
Remote Collateral UnderwriterJoin a high-performing team where your expertise drives confident lending decisions.At Prosperity Home Mortgage, we don't just review appraisals--we safeguard the integrity of every loan we deliver.As a Collateral Underwriter, you'll play a critical role in ensuring sound property valuations, protecting both our clients and our business while working alongside a collaborative, forward-thinking team.If you're passionate about precision, thrive on analysis, and want your voice to matter in the underwriting process, this is an opportunity to make a real impact.What You'll Do Perform detailed reviews of residential appraisal reports (- unit properties), ranging from straightforward to highly complex assignments Ensure compliance with USPAP, agency guidelines (FNMA, FHLMC, FHA, VA, USDA), and internal standards Evaluate key valuation drivers such as market trends, location, property condition, and comparable data Identify inconsistencies, risk factors, and potential bias to uphold fair and equitable lending practices Conduct independent research using lender systems, public records, and market data to validate appraisal conclusions Deliver timely, high-quality collateral reviews that meet service level expectations Actively manage your pipeline while partnering cross-functionally with Underwriting, Processing, Sales, and Compliance teams Stay ahead of industry trends, regulatory updates, and evolving investor expectations Why This Role Stands Out Impact-Driven Work:Your analysis directly influences loan quality and risk management Collaborative Environment:Work closely with experienced professionals across the mortgage lifecycle Professional Growth:Stay engaged with evolving appraisal standards, regulatory changes, and market dynamics High Visibility:Your expertise is valued and recognized across multiple business channels What You Bring Direct Endorsement (DE) required; Staff Appraisal Reviewer (SAR) designation preferred Proven experience reviewing FHA appraisals required; VA appraisal experience preferred Strong analytical mindset with the ability to interpret both quantitative and qualitative data Exceptional attention to detail and ability to identify discrepancies or risk indicators Clear and effective communication skills, both written and verbal Ability to manage multiple priorities in a deadline-driven environment Your Background Bachelor's degree preferred Minimum of years of experience in real estate underwriting, appraisal review, or a related field Equivalent combination of education and experience will be considered Core Competencies Critical thinking and sound judgment Data analysis and problem-solving Strong organizational and time management skills Proficiency with standard office tools and underwriting systems Solid understanding of real estate concepts, property types, and valuation methodologies Prosperity Home Mortgage, LLC is an Equal Opportunity Employer and is committed to Diversity, Equity, and Inclusion in the workplace.We prohibit discrimination and harassment of any type based on race, color, religion, age, sex, national origin, disability status, genetic information, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training..