Remote Mortgage Underwriter II

October 31, 2026

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Please be advised: Visio Lending does not accept unsolicited resumes or services from third-party recruitment agencies. In the event, a recruiter or agency submits a resume or candidate without an agreement Visio Lending shall explicitly reserve the right to pursue and hire those candidate(s) without any financial obligation to the recruiter or agency. Any unsolicited resumes, including those submitted to Visio Lending employees, shall be deemed the property of Visio Lending.

About Visio Lending

Visio Lending is the nation's leader in rental home financing. Founded in 2012 in Austin, Texas, Visio enables small- to medium- sized investors to grow their rental home, and vacation rental portfolios. Headquartered in fantastic Austin, Texas, since late 2015, Visio has financed more than $1 billion in Rental360 loans. With more than $400 million in capital onboard, a proven record of investment grade bond issuance on Wall Street, and an outstanding 100+ team, Visio is poised for continued success.

Why We Love Working at Visio:

We at Visio are passionate about working together towards our goals to continually push this company forward. We innovate, collaborate, celebrate team successes, and recognize individual accomplishments. At Visio Lending, you'll work on meaningful initiatives that directly support real estate investors nationwide. We offer a collaborative culture, growth opportunities, and flexibility with remote work options.

How to Apply?

To be considered for employment, please submit your application online. While we appreciate all the interest we receive, only candidates selected for phone screening, or an interview will be contacted directly. You will receive application status alerts via email so make sure your email address is accurate.

Note: Incomplete applications will not be considered. Unanswered application questions or responses indicating "see resume" will be considered incomplete and you will be removed from consideration.

Visio Financial Services, Inc. is an Equal Opportunity Employer

The Opportunity

The Underwriter II is responsible for reviewing and evaluating moderately complex investor loan files, ensuring compliance with company policies, investor guidelines, and regulatory requirements. This role requires strong manual underwriting expertise and the ability to make independent, well-reasoned credit decisions while maintaining service-level expectations and loan quality. You will play an essential role in maintaining loan quality, supporting team workflows, and ensuring a seamless customer experience.

What You'll Do

Manage a pipeline of loan files, reviewing documentation to determine borrower eligibility and prevent fraud
Complete underwriting functions in accordance with program requirements, company standards, and regulatory guidelines
Ensure loans meet investor guidelines, SOPs, and compliance standards
Confirm all lending conditions are satisfied prior to closing
Ensure marketability of closed loans
Identify and escalate files that deviate from standard parameters
Evaluate borrower creditworthiness, loan collateral, and repayment capacity
Maintain acceptable turnaround times and SLAs
Review title commitments for compliance with investor and company guidelines
Deliver exceptional customer service to internal and external partners
Collaborate cross-functionally to support efficient workflows and continuous improvement
Perform other duties as assigned based on business needs
Authorized Remote Locations: AL, AR, AZ, FL, GA, IL, IN, KS, KY, LA, MI, NC, SC, TX, UT
Work Schedule: Monday - Friday: 8:30 am - 5:30 pm CST
Salary Range: $35.09 - $48.00/hr (Non-Exempt/Hourly/Overtime Eligible)

What We Are Looking For:

3+ years of mortgage underwriting experience, with a strong focus on Non-QM loans
Solid manual underwriting expertise
Comfortable working across multiple systems and technologies
Proven ability to meet deadlines and manage time-sensitive priorities
Strong initiative, reliability, and commitment to team success
Excellent written and verbal communication skills
Completion of all required training within designated timelines
High School Diploma or GED required
Internal Applicants: Must meet minimum qualifications and have no recent disciplinary actions.

What We Prefer to Find:

Someone with experience with Non-QM Loans
Someone with experience with underwriting DSCR loans
Someone with an Associate and/or bachelor's degree in business or a related industry area major
Someone with experience with Calyx Point and SalesForce

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Common Interview Questions And Answers

1. HOW DO YOU PLAN YOUR DAY?

This is what this question poses: When do you focus and start working seriously? What are the hours you work optimally? Are you a night owl? A morning bird? Remote teams can be made up of people working on different shifts and around the world, so you won't necessarily be stuck in the 9-5 schedule if it's not for you...

2. HOW DO YOU USE THE DIFFERENT COMMUNICATION TOOLS IN DIFFERENT SITUATIONS?

When you're working on a remote team, there's no way to chat in the hallway between meetings or catch up on the latest project during an office carpool. Therefore, virtual communication will be absolutely essential to get your work done...

3. WHAT IS "WORKING REMOTE" REALLY FOR YOU?

Many people want to work remotely because of the flexibility it allows. You can work anywhere and at any time of the day...

4. WHAT DO YOU NEED IN YOUR PHYSICAL WORKSPACE TO SUCCEED IN YOUR WORK?

With this question, companies are looking to see what equipment they may need to provide you with and to verify how aware you are of what remote working could mean for you physically and logistically...

5. HOW DO YOU PROCESS INFORMATION?

Several years ago, I was working in a team to plan a big event. My supervisor made us all work as a team before the big day. One of our activities has been to find out how each of us processes information...

6. HOW DO YOU MANAGE THE CALENDAR AND THE PROGRAM? WHICH APPLICATIONS / SYSTEM DO YOU USE?

Or you may receive even more specific questions, such as: What's on your calendar? Do you plan blocks of time to do certain types of work? Do you have an open calendar that everyone can see?...

7. HOW DO YOU ORGANIZE FILES, LINKS, AND TABS ON YOUR COMPUTER?

Just like your schedule, how you track files and other information is very important. After all, everything is digital!...

8. HOW TO PRIORITIZE WORK?

The day I watched Marie Forleo's film separating the important from the urgent, my life changed. Not all remote jobs start fast, but most of them are...

9. HOW DO YOU PREPARE FOR A MEETING AND PREPARE A MEETING? WHAT DO YOU SEE HAPPENING DURING THE MEETING?

Just as communication is essential when working remotely, so is organization. Because you won't have those opportunities in the elevator or a casual conversation in the lunchroom, you should take advantage of the little time you have in a video or phone conference...

10. HOW DO YOU USE TECHNOLOGY ON A DAILY BASIS, IN YOUR WORK AND FOR YOUR PLEASURE?

This is a great question because it shows your comfort level with technology, which is very important for a remote worker because you will be working with technology over time...