"Alerted.org

Job Description

The Income Desk Specialist plays a critical role in supporting the underwriting process by reviewing and analyzing borrower income documentation to ensure accuracy and compliance with investor and regulatory guidelines. This position requires strong attention to detail, analytical skills, and a solid understanding of mortgage underwriting principles. Ideal candidates will have prior experience in underwriting or a related mortgage operations role.

Key Responsibilities:

• Review borrower income documentation (e.g., pay stubs, W-2s, tax returns, business financials) for accuracy and completeness.

• Calculate qualifying income for various loan products, including Conventional, FHA, VA, Jumbo, and Non-QM programs.

• Validate income against program guidelines and investor requirements.

• Communicate findings and recommendations to underwriters, processors, and loan officers.

• Assist in resolving income-related conditions and discrepancies during the underwriting process.

• Maintain up-to-date knowledge of agency guidelines (Fannie Mae, Freddie Mac) and regulatory changes impacting income calculations.

• Provide guidance and training to internal teams on income documentation and calculation best practices.

• Escalate complex income scenarios to senior underwriting staff when necessary.

We are a company committed to creating diverse and inclusive environments where people can bring their full, authentic selves to work every day. We are an equal opportunity/affirmative action employer that believes everyone matters. Qualified candidates will receive consideration for employment regardless of their race, color, ethnicity, religion, sex (including pregnancy), sexual orientation, gender identity and expression, marital status, national origin, ancestry, genetic factors, age, disability, protected veteran status, military or uniformed service member status, or any other status or characteristic protected by applicable laws, regulations, and ordinances. If you need assistance and/or a reasonable accommodation due to a disability during the application or recruiting process, please send a request to [email protected] learn more about how we collect, keep, and process your private information, please review Insight Global's Workforce Privacy Policy: https://insightglobal.com/workforce-privacy-policy/.

Skills and Requirements

3+ years of experience in mortgage lending, with underwriting experience strongly preferred.

Strong knowledge of income calculation methods for salaried, hourly, self-employed, and commission-based borrowers.

Familiarity with agency guidelines and investor overlays.

Ability to work in a fast-paced environment and manage multiple priorities.

Proficiency in Encompass Experience with Non-QM income analysis.

Strong communication skills for cross-functional collaboration.

Ability to interpret complex financial documents and identify potential risks.