Green Card Underwriting Specialist Jobs
Underwriting Specialist roles qualify for employment-based green card sponsorship under EB-2 and EB-3, with employers filing PERM labor certification through the DOL before petitioning USCIS. Insurance and financial services firms with recurring actuarial and risk-assessment hiring pipelines are your strongest targets for permanent residency sponsorship.
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Get Access To All JobsRequired Qualifications: Candidates must possess both of the following active certifications and have recent experience underwriting FHA and VA mortgage loans:
- Active FHA Direct Endorsement (DE) Certification
- Active VA LAPP/SAR Certification
- Proven experience underwriting both FHA and VA mortgage loans
Candidates who do not hold certifications will not be considered.
Overview:
Responsible for the completion of internal audits and communicating results to loan production offices and management; maintain current knowledge of both internal and external policy, procedures and guidelines; evaluate trend pattern analysis and identify fraud/misrepresentation.
Primary Responsibilities:
- Evaluate a selected number of loans on a monthly basis to ensure accuracy, adherence to procedures, and compliance with Bank standards.
- Perform both pre-funding and post-funding Quality Control reviews to include review of underwriting guidelines and product pages applicable to each loan reviewed, re-verification of specific contents of the loan file, ordering and review of field review appraisals, communication of potential defects to applicable parties and updating of QC system.
- Exercise judgment when utilizing escalation process.
- Conduct special audits as required in response to requests from Audit, Mortgage Management, and/or any regulatory agency.
- Identify red flags and conduct additional due diligence when applicable.
- Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.
- Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
- Promote an environment that supports belonging and reflects the M&T Bank brand.
- Complete other related duties as assigned.
Education and Experience Required:
Associate’s degree with minimum 4 years’ mortgage/underwriting experience,
OR in lieu of a degree,
A combined minimum of 6 years’ higher education and/or work experience, including a minimum of 4 years’ mortgage/underwriting experience.
Working knowledge of agency guidelines.
Ability to work well with all levels of management.
Excellent verbal and written communication skills.
Proven customer service skills.
Demonstrated ability to work well under pressure.
Education and Experience:
FHA DE and VA LAPP certifications.
Proficient in Allregs, Microsoft Excel and Word.
Experience in both Retail and 3rd party originations.
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $54,100.00 - $90,100.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location.
Location
Clanton, Alabama, United States of America
Required Qualifications: Candidates must possess both of the following active certifications and have recent experience underwriting FHA and VA mortgage loans:
- Active FHA Direct Endorsement (DE) Certification
- Active VA LAPP/SAR Certification
- Proven experience underwriting both FHA and VA mortgage loans
Candidates who do not hold certifications will not be considered.
Overview:
Responsible for the completion of internal audits and communicating results to loan production offices and management; maintain current knowledge of both internal and external policy, procedures and guidelines; evaluate trend pattern analysis and identify fraud/misrepresentation.
Primary Responsibilities:
- Evaluate a selected number of loans on a monthly basis to ensure accuracy, adherence to procedures, and compliance with Bank standards.
- Perform both pre-funding and post-funding Quality Control reviews to include review of underwriting guidelines and product pages applicable to each loan reviewed, re-verification of specific contents of the loan file, ordering and review of field review appraisals, communication of potential defects to applicable parties and updating of QC system.
- Exercise judgment when utilizing escalation process.
- Conduct special audits as required in response to requests from Audit, Mortgage Management, and/or any regulatory agency.
- Identify red flags and conduct additional due diligence when applicable.
- Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.
- Maintain M&T internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.
- Promote an environment that supports belonging and reflects the M&T Bank brand.
- Complete other related duties as assigned.
Education and Experience Required:
Associate’s degree with minimum 4 years’ mortgage/underwriting experience,
OR in lieu of a degree,
A combined minimum of 6 years’ higher education and/or work experience, including a minimum of 4 years’ mortgage/underwriting experience.
Working knowledge of agency guidelines.
Ability to work well with all levels of management.
Excellent verbal and written communication skills.
Proven customer service skills.
Demonstrated ability to work well under pressure.
Education and Experience:
FHA DE and VA LAPP certifications.
Proficient in Allregs, Microsoft Excel and Word.
Experience in both Retail and 3rd party originations.
M&T Bank is committed to fair, competitive, and market-informed pay for our employees. The pay range for this position is $54,100.00 - $90,100.00 Annual (USD). The successful candidate’s particular combination of knowledge, skills, and experience will inform their specific compensation. The range listed above corresponds to our national pay range for this role. The specific pay range applicable to you may vary based on your location.
Location
Clanton, Alabama, United States of America
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Get Access To All JobsTips for Finding Green Card Sponsorship as an Underwriting Specialist
Verify your degree aligns with PERM requirements
PERM labor certification requires the employer to define a minimum qualification tied to the role. For Underwriting Specialists, a bachelor's degree in finance, business, actuarial science, or a closely related field typically satisfies EB-3 requirements. Confirm your credential matches before applying.
Target insurers with established PERM filing pipelines
Large commercial and specialty insurers file PERM applications regularly for underwriting roles. Look for firms with dedicated immigration counsel and structured sponsorship programs, which signals an existing internal process rather than a one-off commitment negotiated from scratch.
Use Migrate Mate to filter green-card-sponsoring employers
Searching broadly for underwriting roles wastes time on employers who have never filed a PERM application. Migrate Mate filters jobs by employment-based green card sponsorship history, so you target only employers with a documented track record of sponsoring underwriting positions.
Benchmark your offer against OFLC prevailing wage levels
DOL requires your offered salary to meet the prevailing wage for your underwriting job zone and location before certifying PERM. Use the OFLC Wage Search to check whether your offer meets Level II or Level III thresholds, which affects both PERM approval and EB-2 eligibility.
Request concurrent I-140 and I-485 filing once eligible
If a visa number is immediately available for your country of birth under EB-3, your employer can file the I-140 immigrant petition and your I-485 adjustment of status simultaneously. This cuts months off your overall green card timeline compared to filing sequentially.
Document specialized underwriting credentials before the I-140 stage
Designations like CPCU, ARe, or AU strengthen an EB-2 petition by demonstrating credentials beyond a general bachelor's degree. Gather official transcripts, continuing education records, and credential verification letters before your employer files the I-140 with USCIS.
Green Card Underwriting Specialist: Frequently Asked Questions
Do Underwriting Specialist roles typically qualify for EB-2 or EB-3 green card sponsorship?
Most Underwriting Specialist positions qualify under EB-3 as professional roles requiring at least a bachelor's degree. EB-2 applies when the role requires an advanced degree or your employer can demonstrate the position requires expertise beyond a standard four-year credential. Insurance, reinsurance, and specialty risk firms sponsor both categories regularly.
How does PERM green card sponsorship differ from H-1B sponsorship for underwriting roles?
PERM leads to permanent residency rather than a temporary work visa. There is no annual lottery, and EB-3 has no cap on the number of petitions filed per year, though per-country visa backlogs still affect final green card issuance. The process takes longer overall, typically two to four years from PERM filing to status approval, but the outcome is lawful permanent residency rather than a renewable temporary status.
Which employers sponsor green cards for Underwriting Specialists most consistently?
Employers with large commercial lines, specialty, or reinsurance underwriting teams tend to sponsor most consistently because their hiring volume justifies maintaining immigration counsel and internal PERM processes. You can identify these employers by searching for active PERM filings for underwriting job titles through the DOL's Office of Foreign Labor Certification disclosure data, or by using Migrate Mate to surface employers with documented green card sponsorship history.
Can I switch underwriting employers after my I-140 is approved?
Yes. Once your I-140 has been approved and your priority date is established, you can port to a new employer in a same or similar occupational classification under AC21 portability rules, provided your I-485 has been pending for at least 180 days. Underwriting roles within the same SOC code category generally qualify, but confirm the new role aligns with USCIS portability criteria before accepting an offer.
What documentation should I prepare to support a PERM application for an underwriting position?
You'll need official transcripts confirming your qualifying degree, a detailed employment history covering the experience the employer lists as a minimum requirement, and any professional designations such as CPCU or AU that support the stated job duties. Your employer's immigration counsel will draft the PERM application, but gaps or inconsistencies in your credential documents are among the most common causes of audit selection by DOL.