Residential & Consumer Underwriter

Job overview

The Residential & Consumer Underwriter role is remote, with the posting describing a remote work environment. The base pay starts at $54,679 and is commensurate with experience; the posting also says the role may be eligible for an annual bonus, incentives, and equity. Climate First Bank describes its banking services as designed to support sustainability and social impact. The underwriter evaluates consumer and residential mortgage loan requests, assesses repayment capacity and collateral, and recommends credit decisions in line with bank policy and regulatory requirements. The role helps manage lending risk while supporting responsible access to credit.

What you'll do

• Underwrite consumer loans and residential mortgage loans
• review credit reports, income, debts, tax returns, bank statements, assets, appraisals, title, insurance, and collateral documentation
• calculate DTI, LTV, residual income, and other underwriting metrics
• structure loans and document policy exceptions
• assess repayment ability, collateral, fraud indicators, and credit risks
• recommend approval, denial, or approval with conditions
• maintain complete loan files
• communicate approval conditions and documentation deficiencies
• collaborate with loan officers, mortgage originators, credit administration, loan operations, appraisers, and closing agents
• participate in loan committee discussions as needed.

What we're looking for

Skills & competencies

residential & consumer underwriter

climate first bank

remote

consumer lending

mortgage underwriting

credit risk

loan analysis

portfolio mortgages

construction-to-permanent loans

tila

respa

hmda

base pay starts at $54,679

Work arrangement

• Weekend coverage required

Benefits & perks

• Benefits may vary by employment status. Listed benefits include medical, dental, and vision insurance
• HSA
• telemedicine
• 401(k) with 6% employer match
• employee stock options
• employee banking perks
• paid vacation and sick time for eligible employees
• life and disability insurance
• voluntary coverage
• and an employee assistance program.

Why this role

Remote role; requires a bachelor’s degree and 3–7 years of consumer and/or residential mortgage underwriting experience. Part-time benefit eligibility may differ from the benefits described.

About the employer

Climate First Bank is hiring for this role. Industry: Real Estate Credit. Sector: 52.