Title: Contract Mortgage Underwriter Location: Houston, TX Contracted Experienced Contract Mortgage Underwriter Contract | Remote | Per-File Compensation FocusOne Mortgage Solutions is seeking an experienced Contract Mortgage Underwriter to support conventional loan production on a per-file basis. This role is ideal for an underwriter who is efficient, detail-oriented, and comfortable working within SLA-driven turn times while maintaining strong credit quality. This is a 1099 contract position and does not include employee benefits. Prefer a candidate located in Houston, Texas and surrounding area. Scope of Work The Contract Mortgage Underwriter will be responsible for underwriting conventional, non-complex loan files in accordance with Fannie Mae and investor guidelines. Key Responsibilities - Perform initial underwriting reviews and issue underwriting decisions on complete loan submissions - Review and analyze loan documentation including: - Credit reports - Income and asset documentation - Tax returns and bank statements - Appraisals and collateral documentation - Ensure loans meet Fannie Mae, investor, and company underwriting guidelines - Identify and assess risk factors and mitigating circumstances - Review conditions and perform Clear-to-Close (CTC) reviews as assigned - Communicate underwriting decisions and conditions clearly to internal production staff - Maintain quality, consistency, and compliance while meeting established turn-time expectations Qualifications - Minimum 5 years of recent conventional mortgage underwriting experience - Strong working knowledge of Fannie Mae guidelines - Experience underwriting wage-earner income (self-employed or complex income not required) - Ability to manage workload independently and meet SLA-based deadlines - Strong written and verbal communication skills - Experience with Encompass preferred - Proficient with Microsoft Office tools Contract Details - Independent contractor (1099) - Per-file compensation, based on performance and turn times - Work volume provided based on business needs - Equipment, licensing, and work environment provided by contractor

Job Title:Non-Delegated Mortgage Underwriter III Location:Arizona. Work Type: Remote, Full Time Job ID: R13142 Job Description: What you'll do: A Mortgage Underwriter III is responsible for underwriting conventional loans by reviewing the credit, capacity, and collateral characteristics of loan files to ensure it meets company and investor quality standards. - Manage individual pipeline on a daily basis by completing Conventional loans, Non-Agency (including Bank Statement, Jumbo, and DSCR programs), simple and complex Underwriting Reviews, Conditions Reviews and other Underwriting Tasks within established turn times. - Identify any document deficiencies, request additional information and/or documentation from Clients as needed. - Navigate and interpret all Agency, Non-Agency and company guidelines. - Assist other department personnel in interpreting underwriting guidelines, update loan status and complete all necessary tasks assigned to loan. - Contact clients to provide updates and clarification on outstanding conditions and deficiencies identified on loans. - Experience associated with client-initiated scenario questions and ability to provide live assistance with loan structure and solution-based guidance. What you'll need: - 7+ years of related experience in Mortgage Industry, Residential Mortgage Loan underwriting or similar field. - High school diploma required. - Advanced knowledge of residential mortgage industry in Correspondent or Retail Lending;, including sales, operations, capital markets and/or other residential mortgage products and services. - Advanced knowledge of applicable regulatory and legal compliance obligations, rules and regulations, industry standards and practices. - Advanced knowledge of FNMA, FHLMC, FHA, VA and USDA Guidelines. - Intermediate knowledge of MS Office products. - Intermediate knowledge of Encompass. - Advanced speaking and writing communication skills. Benefits you'll love: We offer all the important things you'd want - like competitive salaries, an ownership stake in the company, medical and dental insurance, time off, a great 401k matching program, tuition assistance program, an employee volunteer program, and a wellness program. In addition, you'll have the opportunity to bolster your business knowledge, learning the ins and outs of how successful companies operate and manage their finances, giving you invaluable hands-on experience to help grow your career! About the company: AmeriHome Mortgage is a Western Alliance Bank company. Western Alliance Bank, Member FDIC, is a wholly owned subsidiary of Western Alliance Bancorporation. Serving clients nationwide, Western Alliance Bank includes six legacy bank brands - Alliance Association Bank, Alliance Bank of Arizona, Bank of Nevada, Bridge Bank, First Independent Bank and Torrey Pines Bank - that remain part of the company's heritage.

Non-Delegated Mortgage Underwriter III Location: Remote, AZ, USA Job Description: Full time job requisition id R13142 Job Title: Non-Delegated Mortgage Underwriter III Location: AZ Remote What you'll do: A Mortgage Underwriter III is responsible for underwriting conventional loans by reviewing the credit, capacity, and collateral characteristics of loan files to ensure it meets company and investor quality standards. - Manage individual pipeline on a daily basis by completing Conventional loans, Non-Agency (including Bank Statement, Jumbo, and DSCR programs), simple and complex Underwriting Reviews, Conditions Reviews and other Underwriting Tasks within established turn times. - Identify any document deficiencies, request additional information and/or documentation from Clients as needed. - Navigate and interpret all Agency, Non-Agency and company guidelines. - Assist other department personnel in interpreting underwriting guidelines, update loan status and complete all necessary tasks assigned to loan. - Contact clients to provide updates and clarification on outstanding conditions and deficiencies identified on loans. - Experience associated with client-initiated scenario questions and ability to provide live assistance with loan structure and solution-based guidance. What you'll need: - 7+ years of related experience in Mortgage Industry, Residential Mortgage Loan underwriting or similar field. - High school diploma required. - Advanced knowledge of residential mortgage industry in Correspondent or Retail Lending;, including sales, operations, capital markets and/or other residential mortgage products and services. - Advanced knowledge of applicable regulatory and legal compliance obligations, rules and regulations, industry standards and practices. - Advanced knowledge of FNMA, FHLMC, FHA, VA and USDA Guidelines. - Intermediate knowledge of MS Office products. - Intermediate knowledge of Encompass. - Advanced speaking and writing communication skills. Benefits you’ll love: We offer all the important things you'd want — like competitive salaries, an ownership stake in the company, medical and dental insurance, time off, a great 401k matching program, tuition assistance program, an employee volunteer program, and a wellness program. In addition, you’ll have the opportunity to bolster your business knowledge, learning the ins and outs of how successful companies operate and manage their finances, giving you invaluable hands-on experience to help grow your career! About the company: AmeriHome Mortgage is a Western Alliance Bank company. Western Alliance Bank, Member FDIC, is a wholly owned subsidiary of Western Alliance Bancorporation. Serving clients nationwide, Western Alliance Bank includes six legacy bank brands — Alliance Association Bank, Alliance Bank of Arizona, Bank of Nevada, Bridge Bank, First Independent Bank and Torrey Pines Bank — that remain part of the company’s heritage. Western Alliance Bancorporation is committed to equal employment and will consider all qualified applicants without regard to race, sex, color, religion, age, nation origin, marital status, disability, protected veteran status, sexual orientation, gender identity or genetic information. Western Alliance Bancorporation is committed to working with and providing reasonable accommodations for individuals with disabilities. If you are an individual with a disability and require a reasonable accommodation to complete any part of the application process and/or need an alternative method of applying, please email HR@westernalliancebank.com or call 602-386-2488. When contacting us, please provide your contact information and state the nature of your accessibility issue. We will only respond to inquiries concerning requests that involve a reasonable accommodation in the application process.

• Provide customers with a mortgage solution at their convenience and in the process deliver on contracted sales targets through the delivery of superior customer service. • Maintain visibility, presence and networks with all Internal and External business partners. • Engage with existing customers, identified through the relevant lead generation process, to establish possible re-mortgage needs and provide advice on mortgage lending. • Travel to and meet with prospective customers or sources, at a place and time of their convenience, providing mortgage customer solutions, assisting in completing and submitting the application with all required supporting documents to the Production Centre for processing. • Manage and track all submitted deals into the Production Centre by following the agreed tracking process and keep the customer and source informed of the progress and/or status of the application. • Maintain agreed conversion ratios on Submission-to- Final Grant and Final Grant-to-Attorney Instruction, as per the Absa Home Loan process. • Monitor, track and engage on Bonds post Instruction with the respective attorney panel. • Continuously explore and investigate all opportunities (e.g. Property shows, Auctions, Show houses, etc.) in order to increase sources of business and sales intake. • Keep abreast of competitor activities by studying all available information (e.g. newspaper articles, Marketing campaigns, Social Media) in order to proactively offer solutions to customers and sources. • Provide superior customer service by proactively and timeously obtaining outstanding documentation to ensure complete applications Ensure that any query or complaint received from a customer is acknowledged and resolved as per laid down process. • Ensure customer satisfaction by delivering outstanding customer service in line with the TCF (Treating Customers Fairly) principles which will result in increased sales and retention of Home Loans customers. • Maximise on cross cell opportunities by way of Value added products such as Property Insurance, Life cover and New to Bank transactional accounts.