Green Card Underwriter Jobs
Underwriter roles at insurance carriers, banks, and specialty risk firms qualify for EB-2 and EB-3 green card sponsorship through the PERM labor certification process. Employers document the prevailing wage, run a domestic recruitment test, and file an I-140 petition on your behalf, putting you on a path to permanent residency rather than a renewable work visa.
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Get Access To All JobsINTRODUCTION
Selene Holdings is a multiple-lines business financial services firm with a mortgage servicing company, a loan diligence company, a title company, an insurance brokerage, and a real estate owned company. We have office locations in Dallas, TX, Jacksonville, FL, and Salt Lake City, UT. Founded in 2007 to address needs in the mortgage industry, Selene strives to provide amazing client and borrower experiences. A positive attitude coupled with proven creative thinking and actions are all attributes we seek in every one of our employees. If you want to make a difference, then Selene is the place for you!
ROLE AND RESPONSIBILITIES
The Loss Mitigation Underwriter is responsible for evaluating delinquent and distressed mortgage loans to determine eligibility for home retention and liquidation solutions, including loan modifications, repayment plans, short sales, and deeds-in-lieu of foreclosure. This role applies investor, insurer, and regulatory guidelines to analyze borrower financials, assess workout options, and make prudent underwriting decisions that balance borrower assistance with portfolio performance. Successful candidates will possess strong analytical skills, attention to detail, and a thorough understanding of mortgage servicing and loss mitigation programs.
Key Responsibilities
- Underwrite and evaluate mortgage loans for eligibility under repayment plans, loan modifications, short sales, and deeds-in-lieu of foreclosure based on investor, insurer, and regulatory requirements.
- Review borrower financial documentation and loss mitigation applications to assess affordability, hardship, and workout eligibility.
- Identify incomplete or missing documentation and issue deficiency notices to obtain required information.
- Prepare and generate approval, denial, and adverse action notices in compliance with applicable laws, regulations, and investor guidelines.
- Ensure underwriting decisions align with Fair Lending standards and applicable compliance requirements.
- Collaborate with internal teams, including Mortgage Specialists and Closing Coordinators, to collect documentation and facilitate timely resolution of workout requests.
- Maintain current knowledge of investor programs, GSE requirements, insurer guidelines, and evolving loss mitigation regulations.
- Accurately document loan activity, decisions, and investor approvals within servicing systems and workflow tools.
- Complete escrow analyses, payment calculations, and pro forma modification reviews to determine sustainable borrower solutions.
- Meet established productivity, quality, and portfolio performance metrics, including workout conversion goals.
QUALIFICATIONS
- High school diploma or equivalent required; bachelor's degree preferred.
- 2+ years of experience in mortgage servicing, loss mitigation underwriting, default servicing, or a related mortgage operations function preferred.
- Knowledge of loan modification programs, repayment plans, foreclosure alternatives, and investor guidelines (Fannie Mae, Freddie Mac, FHA, VA, USDA, private investors).
- Strong analytical and financial assessment skills with the ability to interpret borrower income, expenses, assets, and hardship documentation.
- Exceptional attention to detail and commitment to accuracy.
- Ability to manage multiple priorities and meet deadlines in a fast-paced, production-driven environment.
- Excellent verbal and written communication skills.
- Strong customer service orientation and ability to work collaboratively across departments.
- Sound judgment and decision-making skills.
- Proficiency in Microsoft Office and mortgage servicing platforms.
Why Selene?
Benefits
Selene Finance LP is committed to the total wellbeing of its employees and therefore offers one of the best benefits packages available in the industry today, which includes:
- Paid Time Off (PTO)
- Medical, Dental & Vision
- Employee Assistance Program
- Flexible Spending Account
- Health Savings Account
- Paid Holidays
- Company paid Life Insurance
- Matching 401(k) Plan
The job requirements listed above are representative of the knowledge, skills, and/or abilities required. This job description is not an inclusive list of all duties and responsibilities of this position. Incumbents will be required to follow any other job-related instructions and to perform any other job-related duties requested by any person authorized to give instructions or assignments. Selene reserves the right to amend and change responsibilities to meet business and organizational needs.
Privacy Policy - Selene (seleneadvantage.com)
INTRODUCTION
Selene Holdings is a multiple-lines business financial services firm with a mortgage servicing company, a loan diligence company, a title company, an insurance brokerage, and a real estate owned company. We have office locations in Dallas, TX, Jacksonville, FL, and Salt Lake City, UT. Founded in 2007 to address needs in the mortgage industry, Selene strives to provide amazing client and borrower experiences. A positive attitude coupled with proven creative thinking and actions are all attributes we seek in every one of our employees. If you want to make a difference, then Selene is the place for you!
ROLE AND RESPONSIBILITIES
The Loss Mitigation Underwriter is responsible for evaluating delinquent and distressed mortgage loans to determine eligibility for home retention and liquidation solutions, including loan modifications, repayment plans, short sales, and deeds-in-lieu of foreclosure. This role applies investor, insurer, and regulatory guidelines to analyze borrower financials, assess workout options, and make prudent underwriting decisions that balance borrower assistance with portfolio performance. Successful candidates will possess strong analytical skills, attention to detail, and a thorough understanding of mortgage servicing and loss mitigation programs.
Key Responsibilities
- Underwrite and evaluate mortgage loans for eligibility under repayment plans, loan modifications, short sales, and deeds-in-lieu of foreclosure based on investor, insurer, and regulatory requirements.
- Review borrower financial documentation and loss mitigation applications to assess affordability, hardship, and workout eligibility.
- Identify incomplete or missing documentation and issue deficiency notices to obtain required information.
- Prepare and generate approval, denial, and adverse action notices in compliance with applicable laws, regulations, and investor guidelines.
- Ensure underwriting decisions align with Fair Lending standards and applicable compliance requirements.
- Collaborate with internal teams, including Mortgage Specialists and Closing Coordinators, to collect documentation and facilitate timely resolution of workout requests.
- Maintain current knowledge of investor programs, GSE requirements, insurer guidelines, and evolving loss mitigation regulations.
- Accurately document loan activity, decisions, and investor approvals within servicing systems and workflow tools.
- Complete escrow analyses, payment calculations, and pro forma modification reviews to determine sustainable borrower solutions.
- Meet established productivity, quality, and portfolio performance metrics, including workout conversion goals.
QUALIFICATIONS
- High school diploma or equivalent required; bachelor's degree preferred.
- 2+ years of experience in mortgage servicing, loss mitigation underwriting, default servicing, or a related mortgage operations function preferred.
- Knowledge of loan modification programs, repayment plans, foreclosure alternatives, and investor guidelines (Fannie Mae, Freddie Mac, FHA, VA, USDA, private investors).
- Strong analytical and financial assessment skills with the ability to interpret borrower income, expenses, assets, and hardship documentation.
- Exceptional attention to detail and commitment to accuracy.
- Ability to manage multiple priorities and meet deadlines in a fast-paced, production-driven environment.
- Excellent verbal and written communication skills.
- Strong customer service orientation and ability to work collaboratively across departments.
- Sound judgment and decision-making skills.
- Proficiency in Microsoft Office and mortgage servicing platforms.
Why Selene?
Benefits
Selene Finance LP is committed to the total wellbeing of its employees and therefore offers one of the best benefits packages available in the industry today, which includes:
- Paid Time Off (PTO)
- Medical, Dental & Vision
- Employee Assistance Program
- Flexible Spending Account
- Health Savings Account
- Paid Holidays
- Company paid Life Insurance
- Matching 401(k) Plan
The job requirements listed above are representative of the knowledge, skills, and/or abilities required. This job description is not an inclusive list of all duties and responsibilities of this position. Incumbents will be required to follow any other job-related instructions and to perform any other job-related duties requested by any person authorized to give instructions or assignments. Selene reserves the right to amend and change responsibilities to meet business and organizational needs.
Privacy Policy - Selene (seleneadvantage.com)
See all 314+ Green Card Underwriter Jobs
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Get Access To All JobsTips for Finding Green Card Sponsorship in Underwriter
Document your risk-assessment credentials early
Gather degree transcripts, professional designations like CPCU or CUW, and employer letters that tie your underwriting decisions to specific loss ratios. PERM requires your employer to prove your qualifications match the job description exactly, so mismatches between credentials and the role definition cause delays.
Target carriers with active PERM filing history
Large commercial insurers and specialty Lloyd's syndicates file PERM applications regularly for actuarial and underwriting staff. Search OFLC disclosure data by SOC code 13-2053 to identify which employers have certified underwriter positions recently, then prioritize those in your outreach.
Clarify your EB-2 versus EB-3 eligibility upfront
EB-2 requires a master's degree or equivalent advanced credentials; EB-3 covers bachelor's-level professionals. Many underwriters qualify for EB-2 if their employer can justify an advanced-degree requirement for the specific book of business, which can shorten your wait in retrogressed preference categories.
Use Migrate Mate to find sponsoring employers
Search Migrate Mate to filter underwriter openings at employers with documented green card sponsorship history. This cuts the research time of manually cross-referencing OFLC disclosure data and lets you apply directly to roles where PERM sponsorship is already part of the hiring process.
Negotiate PERM sponsorship terms before accepting an offer
Ask whether the employer covers attorney fees, which party bears the filing costs, and whether there is a tenure requirement before they initiate PERM. Some underwriting firms require 12 months of employment before starting the process, so you need that timeline confirmed in writing before you sign.
Understand how prevailing wage affects your offer letter
Your employer must pay at least the DOL prevailing wage for your underwriting title and work location. Use the OFLC Wage Search before negotiations to verify the Level I through Level IV wage bands for your metro area, so you can spot an offer that would later fail DOL certification.
Green Card Underwriter: Frequently Asked Questions
Do underwriter roles qualify for both EB-2 and EB-3 green card sponsorship?
Yes. Commercial and specialty underwriting positions typically qualify for EB-3 as skilled professional roles requiring at least a bachelor's degree. EB-2 is available when the employer can demonstrate the position genuinely requires an advanced degree or when the candidate has strong professional credentials that rise above the EB-3 standard. Your employer's attorney drafts the job description to match the appropriate category.
How does green card sponsorship differ from H-1B for underwriters?
The green card route through PERM and I-140 leads to permanent residency, not a temporary status you renew every two or three years. There is no annual lottery at the EB-3 level for most countries, which removes the selection uncertainty that H-1B visa applicants face every spring. The tradeoff is timeline: PERM labor certification alone can take six to eighteen months before the I-140 is even filed.
What does the PERM recruitment test mean for underwriter candidates?
Before sponsoring you, your employer must advertise the underwriter role to U.S. workers using DOL-specified recruitment steps, including job postings and sometimes print advertisements. If qualified U.S. applicants apply, the employer must document why they were not selected. This process can take three to six months and must be completed before the PERM application is submitted to DOL.
Where can I find underwriter jobs that offer green card sponsorship?
Migrate Mate lets you search underwriter openings filtered by employers with verified green card sponsorship history, so you're not cold-applying to postings that never intended to sponsor. Cross-referencing OFLC disclosure data independently is possible but time-consuming; Migrate Mate surfaces the same underlying signals in a searchable format built specifically for employment-based sponsorship.
Can a change of employers affect my green card process as an underwriter?
Yes, and the timing matters. If you change employers before your I-140 is approved, the entire PERM process restarts with the new company. After I-140 approval and with a priority date more than 180 days old, portability rules under AC21 may let you transfer the petition to a new underwriting role in the same or similar occupational category without losing your place in the queue.