Green Card Mortgage Underwriter Jobs
Mortgage Underwriter green card sponsorship follows the EB-2 or EB-3 employment-based path, requiring your employer to complete PERM labor certification with the Department of Labor before filing an I-140 petition with USCIS. Per-country backlogs apply, so your nationality affects your timeline to lawful permanent residence.
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Get Access To All JobsJob Description:
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates’ physical, emotional, and financial wellness through affordable, competitive and flexible benefits. We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve. Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!
Team Overview:
Enterprise Independent Testing (EIT) Consumer Banking Testing (CBT) is responsible for Consumer testing aligned to Retail, Preferred, Small Business, Global Consumer Operations, and Consumer Global Compliance and Operational Risk. EIT has established itself as the enterprise utility to test all end-to-end processes on behalf of Second Line of Defense, Frontline Units (FLUs) and Control Functions (CFs), enabling more efficient and effective testing. EIT is transforming the way testing is built and executed with digital transformation, implementing automation, and leveraging cutting edge Artificial Intelligence/Natural Language Processing technologies. EIT carries a portfolio of 8,000+ tests and has a global footprint of testing professionals across the United States, Europe, Asia and Latin America as well as Global Business Services (GBS) associates.
This job is responsible for accurate and timely test execution and/or supporting operational and administrative activities related to the end-to-end test execution process. Key responsibilities of the job include executing high quality testing in accordance with the test script, documenting and escalating defects, preliminary reporting, and analysis of results, and collaborating with Compliance and Operational Risk officers and/or Front-Line Unit (FLU) process owners on the identification of themes and trends at the Front-Line Unit (FLU), control function and Enterprise level.
Responsibilities:
- Accountable for accurate and timely test execution
- Execute testing requiring administrative judgment in the execution of complex testing according to the determined scope
- Independently identify risk defects and root cause for finding placement and details defects
- Examine loan documentation for accuracy and completeness
- Provide training and direction to more junior staff as appropriate
- Elevate errors and recommends enhancements as appropriate
- Review reversal requests/arbitration appeals as well as analyze results
- Work special projects as necessary
- Subject Matter Expert (SME) on appointed tests collaborating with business partners, etc.
- Perform Quality Assurance Testing
- Contributes to Test Development Intakes as needed, including test script edits and pilot testing
- Create and submit redlined test scripts for Simple Path processing
- Point-of-contact for Support Lead or assist Testing Lead when needed
Skills:
- Monitoring, Surveillance, and Testing
- Data Privacy and Protection
- Influence
- Issue Management
- Reporting
- Underwriting
- Quality Assurance
Required Education & Experience:
- Bachelor’s Degree or equivalent experience
- Minimum 5 years’ experience in residential loan underwriting including Conforming, Nonconforming, HELOC, Custom, FHA and VA
Required Skills:
- Delegated senior mortgage underwriter
- Applies critical thinking and connects the dots on how processes relate to one another.
- Drives Operational Excellence
- Acts with Courage and Conviction
- Strong written, verbal and delivery skills.
- Strong Partnership and Influencing Skills
- Attention to Detail
- Adaptability
- Collaboration
- Problem Solving
- Organized and able to multi-task in a fast-paced environment
- Ability to think independently, solve complex problems, and suggest solutions.
- Ability to test across multiple lines of business
- Sees opportunities, risks, and connections while engaging with others across different functions and connecting the dots across the organization
- Proficient in the Microsoft suite with an emphasis on excel
Desired Skills:
- Interpret Relevant Laws, Rules, and Regulations
- HUD DE and VA LAPP/Automatic Certifications preferred.
Shift:
1st shift (United States of America)
Hours Per Week:
40
Job Description:
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day. Being a Great Place to Work and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates’ physical, emotional, and financial wellness through affordable, competitive and flexible benefits. We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve. Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs. At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!
Team Overview:
Enterprise Independent Testing (EIT) Consumer Banking Testing (CBT) is responsible for Consumer testing aligned to Retail, Preferred, Small Business, Global Consumer Operations, and Consumer Global Compliance and Operational Risk. EIT has established itself as the enterprise utility to test all end-to-end processes on behalf of Second Line of Defense, Frontline Units (FLUs) and Control Functions (CFs), enabling more efficient and effective testing. EIT is transforming the way testing is built and executed with digital transformation, implementing automation, and leveraging cutting edge Artificial Intelligence/Natural Language Processing technologies. EIT carries a portfolio of 8,000+ tests and has a global footprint of testing professionals across the United States, Europe, Asia and Latin America as well as Global Business Services (GBS) associates.
This job is responsible for accurate and timely test execution and/or supporting operational and administrative activities related to the end-to-end test execution process. Key responsibilities of the job include executing high quality testing in accordance with the test script, documenting and escalating defects, preliminary reporting, and analysis of results, and collaborating with Compliance and Operational Risk officers and/or Front-Line Unit (FLU) process owners on the identification of themes and trends at the Front-Line Unit (FLU), control function and Enterprise level.
Responsibilities:
- Accountable for accurate and timely test execution
- Execute testing requiring administrative judgment in the execution of complex testing according to the determined scope
- Independently identify risk defects and root cause for finding placement and details defects
- Examine loan documentation for accuracy and completeness
- Provide training and direction to more junior staff as appropriate
- Elevate errors and recommends enhancements as appropriate
- Review reversal requests/arbitration appeals as well as analyze results
- Work special projects as necessary
- Subject Matter Expert (SME) on appointed tests collaborating with business partners, etc.
- Perform Quality Assurance Testing
- Contributes to Test Development Intakes as needed, including test script edits and pilot testing
- Create and submit redlined test scripts for Simple Path processing
- Point-of-contact for Support Lead or assist Testing Lead when needed
Skills:
- Monitoring, Surveillance, and Testing
- Data Privacy and Protection
- Influence
- Issue Management
- Reporting
- Underwriting
- Quality Assurance
Required Education & Experience:
- Bachelor’s Degree or equivalent experience
- Minimum 5 years’ experience in residential loan underwriting including Conforming, Nonconforming, HELOC, Custom, FHA and VA
Required Skills:
- Delegated senior mortgage underwriter
- Applies critical thinking and connects the dots on how processes relate to one another.
- Drives Operational Excellence
- Acts with Courage and Conviction
- Strong written, verbal and delivery skills.
- Strong Partnership and Influencing Skills
- Attention to Detail
- Adaptability
- Collaboration
- Problem Solving
- Organized and able to multi-task in a fast-paced environment
- Ability to think independently, solve complex problems, and suggest solutions.
- Ability to test across multiple lines of business
- Sees opportunities, risks, and connections while engaging with others across different functions and connecting the dots across the organization
- Proficient in the Microsoft suite with an emphasis on excel
Desired Skills:
- Interpret Relevant Laws, Rules, and Regulations
- HUD DE and VA LAPP/Automatic Certifications preferred.
Shift:
1st shift (United States of America)
Hours Per Week:
40
See all 262+ Green Card Mortgage Underwriter Jobs
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Get Access To All JobsTips for Finding Green Card Sponsorship in Mortgage Underwriter
Match your credentials to the right EB tier
EB-2 requires a master's degree or a bachelor's degree plus five years of progressive underwriting experience. EB-3 covers a bachelor's degree alone. Confirm which tier your credentials support before targeting employers, since your category affects your priority date and backlog exposure.
Search for employers with active PERM filings
Target financial institutions and mortgage servicers that have filed PERM applications for underwriting roles in the past two years. Migrate Mate lists employers with verified green card sponsorship history, so you can focus outreach on companies already familiar with the PERM process for your occupation.
Verify the prevailing wage before accepting an offer
Your employer's PERM filing must certify that your offered salary meets the DOL prevailing wage for Mortgage Underwriters in your work location. Use the OFLC Wage Search to look up the wage level yourself before negotiations, so you can confirm the offer will clear the threshold DOL requires.
Understand how the PERM recruitment test affects your timeline
PERM requires your employer to run a documented recruitment campaign and demonstrate no qualified U.S. workers applied. This process typically adds several months before USCIS even sees your I-140, so factor that into your planning if you're currently on a time-limited nonimmigrant status.
Check your O*NET occupation code before the I-140 is filed
Mortgage Underwriters have a specific O*NET classification that USCIS uses to evaluate whether a future job qualifies for AC21 portability. Confirm your offer letter describes duties that match the O*NET profile now, so a future employer change doesn't disqualify you from using your priority date.
Carry your priority date when switching employers post-I-485
Once your I-140 is approved, your priority date belongs to you. If your I-485 has been pending at least 180 days, AC21 portability lets you move to a substantially similar underwriting role at a new employer without restarting the PERM process, as long as USCIS agrees the occupations are comparable.
Green Card Mortgage Underwriter: Frequently Asked Questions
Which EB category covers Mortgage Underwriter roles?
Most Mortgage Underwriter positions qualify under EB-3 for professionals with a bachelor's degree, or EB-2 if the role requires a master's degree or a bachelor's degree plus five years of progressive experience. EB-2 generally offers a shorter wait for most nationalities, but your employer must justify the degree requirement in the PERM filing for whichever category you pursue.
How is green card sponsorship different from H-1B sponsorship for this role?
Green card sponsorship leads to permanent residence rather than a temporary status. The process starts with PERM labor certification filed with the Department of Labor, which requires a prevailing wage determination and a formal recruitment test before USCIS reviews your I-140. There is no lottery, but per-country annual limits mean nationals of high-demand countries like India and China can face significant priority-date backlogs before their I-485 becomes current.
How do I find employers willing to sponsor a green card for underwriting roles?
Migrate Mate lists financial institutions and mortgage servicers with verified employment-based sponsorship history, letting you focus your applications on companies that have already navigated the PERM process for underwriting positions. Reaching out directly to in-house immigration contacts or HR teams at those employers, rather than applying cold, significantly increases the chance they'll initiate sponsorship for the right candidate.
Can I change employers after my green card process starts?
Yes, under two distinct rules. Once your original employer's I-140 is approved, your priority date carries over to a new employer's I-140 so you don't lose your place in line. Separately, once your I-485 has been pending for 180 days or more, AC21 portability allows you to move to a substantially similar occupation at a new employer without restarting PERM, provided USCIS agrees the roles are comparable.
What does the PERM recruitment test mean for my job search timeline?
Before filing PERM with the Department of Labor, your employer must conduct a documented recruitment campaign, post the position publicly, and show that no minimally qualified U.S. workers applied. This process can add three to six months before the I-140 is even submitted to USCIS. Employers experienced with PERM for underwriting roles move faster because they already have established recruiting and documentation procedures in place.