Underwriter - Distributed Retail (Remote)

Better is the first AI-native mortgage and home equity finance company, revolutionizing one of the largest financial markets in the world. We make home finance radically more transparent; using AI and proprietary technology to eliminate friction from the mortgage process through our industry-leading AI platform, Tinman®, and the first voice-based AI mortgage assistant, Betsy™. Our mission is simple: make homeownership cheaper, faster and more accessible by transforming how people buy and finance homes. 
The facts that speak for themselves: 
- We’ve funded over $110 billion in loans (more than any other fintech in the US!)   - Raised over $1.2 billion in equity capital to modernize the $15 trillion mortgage industry - Better’s propriety AI platform makes us an award-winning lender:  - Fintech Breakthrough Award 2025: Best Lending Innovation - Yahoo! Finance (Jan 2025): Best Mortgage Lender for First-Time Homebuyers – Best for quick approval - Yahoo! Finance (2025): Best Online Mortgage Lender - Money Magazine (2025): Best for fast closing - Forbes (2023): Best Online Mortgage Lender 
We’re building the future of home finance—and we’re looking for smart, driven, ambitious innovators who are ready to tackle the most impactful work of their careers. 
About NEO Home Loans
At NEO Home Loans, powered by Better Mortgage Corporation, our mission is clear: redefine your financial journey.  We strive to unlock people's full financial potential, providing clarity throughout every step of the loan process. By making lending approachable, we bring transparency and consistency to the financial world, guiding individuals towards decisions that serve their best interests. Our team comprises passionate, talented, and hardworking individuals dedicated to achieving excellence. Join our team and be part of a dynamic company that values innovation, fosters personal growth, and prioritizes a culture of collaboration and excellence.
The Mortgage Underwriter is responsible for evaluating and assessing loan applications to determine borrower creditworthiness and compliance with company and investor guidelines. This role involves detailed analysis of financial documents, credit reports, and property appraisals to ensure sound lending decisions and mitigate risk.

Essential Job Duties and Responsibilities

• Review and analyze mortgage loan applications for completeness, accuracy, and compliance with underwriting standards (e.g., Fannie Mae, Freddie Mac, FHA, VA, and company-specific guidelines).
• Evaluate borrower income, assets, credit history, and collateral to determine loan eligibility.
• Review supporting documentation including tax returns, W-2s, pay stubs, bank statements, and credit reports.
• Ensure all loans meet internal and regulatory requirements (e.g., RESPA, TILA, HMDA).
• Issue conditional approvals, suspensions, or denials with clear, detailed explanations.
• Collaborate with loan officers, processors, and closers to obtain required documentation and resolve issues.
• Maintain knowledge of current underwriting guidelines, mortgage products, and investor requirements.
• Manage a pipeline of loans efficiently to meet service level agreements and closing deadlines.
• Participate in ongoing training and audits to ensure compliance and accuracy.

Non-Essential Job Duties and Responsibilities

• Adopts NEOs values in work behavior, decision making, contributions and interpersonal interactions. 
• Promotes interdepartmental communication and culture.
• Lead, develop and motivate the team across all locations and operational functions.
• Continued focus to ensure all families (Internal and External) are receiving the best possible service

Qualifications and Skills

• 2–5 years of mortgage underwriting experience (conventional, FHA, VA, or jumbo).
• DE/SAR/LAPP certification preferred for government loan programs.
• Strong analytical and decision-making skills with attention to detail.
• Excellent written and verbal communication abilities.
• Ability to work independently in a fast-paced environment with strict deadlines.

Company Benefits 
We’re proud to support our employees and their families with a benefits package designed to care for their health, well-being, and everyday life. All full-time and benefit-eligible part-time employees can enjoy the following benefits:
- Day One Coverage – Your benefits begin on your first da