Mortgage Underwriter

The role

You will evaluate the risk and soundness of residential real estate investments. This involves conducting due diligence on property valuation, creditworthiness, and income analysis using proprietary technology.

What you will do

• Perform comprehensive underwriting reviews of residential real estate investments.
• Review and assess residential appraisals.
• Review home inspection reports and document findings.
• Conduct income underwriting and calculation of qualifying income.
• Serve as an escalation point for complex or higher-risk transactions.
• Perform quality control reviews and internal audits.
• Provide feedback to refine proprietary underwriting systems and models.
• Partner with Product, Technology, and Operations teams on automation initiatives.
• Stay informed on trends in PropTech, FinTech, and residential real estate.
• Contribute to a collaborative team environment and support peer development.

Required qualifications

• Bachelor’s degree in finance, economics, business, real estate, or a related field, or equivalent professional experience.
• 2+ years of experience in residential mortgage, real estate, or investment underwriting.
• Strong understanding of property valuation, credit analysis, income underwriting, and residential real estate risk factors.
• Experience handling underwriting exceptions and escalations with sound judgment and clear documentation.
• Highly detail-oriented with the ability to manage multiple priorities in a fast-paced environment.
• Strong written and verbal communication skills.
• Collaborative, team-oriented mindset.
• Comfort working with data-driven tools and technology-enabled underwriting platforms.

Nice to have

• experience in senior or escalation-focused roles

Benefits

• competitive salaries
• 100% paid medical and dental benefits
• generous PTO policy
• paid parental leave program

About the company

Unison is a San Francisco-based company that helps homeowners access equity flexibly through the Unison Agreement. The company has expanded to 30 states and surpassed $5B in real estate investments.