REMOTE Income Desk Specialist

Income Desk Specialist

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 include :

• 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 HR@insightglobal.com.