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Job Title: Credit Underwriter

Job Description

The Credit Underwriter is responsible for issuing credit decisions based on the documented borrower profile, adhering to program and client guidelines. This role requires achieving minimum daily production goals, clearing conditions, and maintaining department audit standards.

Responsibilities

+ Underwrite residential mortgage loans following Conventional guidelines.

+ Input and analyze data using Loan Prospector, Desktop Underwriter, Assetwise, and other AUS engines.

+ Identify and assess overall risk and potential fraud exposure.

+ Meet daily production goals and quality targets, clearing conditions within department audit standards.

+ Review credit reports to determine credit patterns, current liabilities, outstanding judgments, and collections.

+ Review residential mortgage appraisal forms and calculate Loan to Value ratios.

+ Analyze income from various sources including salaried, commissioned, self-employed, investments, and fixed income.

+ Analyze asset statements for all types of asset accounts.

+ Work overtime and weekends if needed.

+ Perform other related duties as assigned.

Essential Skills

+ 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.

+ Proficiency in Microsoft Office Suite, including Word, Excel, and PowerPoint.

+ Strong underwriting knowledge of Prime or standard Full Documentation.

+ In-depth knowledge of HVCC guidelines and federal, state, and local compliance regulations.

+ Experience with Fannie/Freddie guidelines, back-end quality control, and fraud audit.

+ Use of Desktop Underwriter (DU), Loan Prospector (LP), and other loan operations systems.

Additional Skills & Qualifications

+ Associate degree or equivalent industry experience required.

+ 3+ years of relevant industry experience.

+ 3+ years of securitization experience.

+ 3+ years of recent frontline underwriting experience.

+ Experience with Conventional, FHA, VA, and Non-Qualified Mortgage products

Job Type & Location

This is a Permanent position based out of Madison Heights, MI.

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 7, 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.