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- Tasks: Calculate income, assess credit risks, and provide loan recommendations remotely.
- Company: Join Mercor, a leading tech company connecting talent with AI research labs.
- Benefits: Earn $60–$100/hour, work remotely, and enjoy flexible hours.
- Why this job: Make a real impact in finance while working with top-tier professionals.
- Qualifications: 5+ years in underwriting or credit analysis; detail-oriented and analytical skills required.
- Other info: Dynamic role with opportunities for growth and weekly pay.
Join to apply for the Insurance Underwriter role at Mercor. This range is provided by Mercor. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more. Base pay range $60.00/hr - $100.00/hr.
About The Job: Mercor connects elite creative and technical talent with leading AI research labs. Headquartered in San Francisco, our investors include Benchmark, General Catalyst, Peter Thiel, Adam D'Angelo, Larry Summers, and Jack Dorsey.
Position: Financial Services Professional
Type: Independent Contractor
Compensation: $60–$100/hour
Location: Remote
Duration: ~6 weeks
Commitment: 30+ hours/week
Role Responsibilities:
- Calculate qualifying monthly income using pay stubs, W-2s, tax returns, and self-employment documents.
- Conduct credit report risk assessments by identifying derogatory marks, utilization ratios, and tradeline history.
- Perform debt-to-income (DTI) ratio calculations based on verified income and liabilities.
- Provide loan decision recommendations with written rationales and policy citations.
- Review and clear conditional approval stipulations by matching submitted documents to underwriting requirements.
- Evaluate collateral value and calculate loan-to-value (LTV) ratios using valuation tools.
- Identify fraud indicators by cross-referencing applicant data across documents and verifying authenticity.
- Support secondary workflows such as compensating factor reviews, adverse action notice generation, credit exception evaluations, and counter-offer structuring.
Qualifications:
- 5+ years of experience in mortgage or auto loan underwriting, credit analysis, or quality control.
- Deep familiarity with income types, credit bureau data, DTI and LTV calculations, and standard underwriting policies.
- Ability to interpret complex tax documents (e.g., Schedule C, K-1) and calculate self-employment income.
- Strong attention to detail, pattern recognition, and risk assessment capabilities.
Preferred:
- Experience with LOS systems and document verification tools.
Compensation & Legal:
- Paid weekly via Stripe Connect
- Independent Contractor
Application Process: (Takes 20–30 mins to complete)
- Submit your resume followed by domain expertise interview and short form.
Resources & Support:
For details about the interview process and platform information, please check: Interview Process. For any help or support, reach out to: support@mercor.com.
PS: Our team reviews applications daily. Please complete your AI interview and application steps to be considered for this opportunity.
Job Details:
- Seniority level: Not Applicable
- Employment type: Part-time
- Job function: Finance
- Industries: Software Development
Referrals increase your chances of interviewing at Mercor by 2x.
Insurance Underwriter employer: Mercor
Contact Detail:
Mercor Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Insurance Underwriter
✨Tip Number 1
Network like a pro! Reach out to your connections in the finance and underwriting sectors. A friendly chat can lead to insider info about job openings or even a referral, which can double your chances of landing that interview.
✨Tip Number 2
Prepare for the interview by brushing up on your technical skills. Make sure you can confidently discuss DTI and LTV calculations, as well as your experience with credit analysis. We want you to shine when it comes to showcasing your expertise!
✨Tip Number 3
Don’t forget to follow up after your interview! A quick thank-you email can keep you fresh in the recruiter’s mind. Plus, it shows your enthusiasm for the role, which is always a bonus.
✨Tip Number 4
Apply through our website for the best chance at getting noticed. We review applications daily, so don’t miss out on this opportunity to join Mercor. Get your application in and let’s get you started on this exciting journey!
We think you need these skills to ace Insurance Underwriter
Some tips for your application 🫡
Tailor Your Resume: Make sure your resume highlights your experience in mortgage or auto loan underwriting. We want to see how your skills match the role, so don’t be shy about showcasing relevant achievements!
Show Off Your Attention to Detail: Since this role requires strong attention to detail, include examples in your application that demonstrate your ability to spot discrepancies and assess risk. We love candidates who can think critically!
Be Clear and Concise: When writing your application, keep it straightforward. We appreciate clarity, so avoid jargon and get straight to the point about your qualifications and why you’re a great fit for the role.
Apply Through Our Website: Don’t forget to submit your application through our website! It’s the best way for us to receive your details and ensures you’re considered for the Insurance Underwriter position. We can’t wait to hear from you!
How to prepare for a job interview at Mercor
✨Know Your Numbers
As an Insurance Underwriter, you'll be dealing with a lot of financial data. Brush up on your DTI and LTV calculations, and be ready to discuss how you interpret complex tax documents. This will show that you’re not just familiar with the numbers but can also apply them effectively.
✨Research Mercor
Take some time to understand Mercor's mission and values. Knowing who their investors are and what they stand for can help you tailor your responses during the interview. It shows genuine interest and can set you apart from other candidates.
✨Prepare for Scenario Questions
Expect to face scenario-based questions that assess your risk assessment capabilities. Think of examples from your past experience where you identified fraud indicators or made loan decision recommendations. Be specific about your thought process and the outcomes.
✨Ask Insightful Questions
At the end of the interview, don’t forget to ask questions! Inquire about the tools they use for document verification or how they handle conditional approvals. This demonstrates your enthusiasm for the role and helps you gauge if it's the right fit for you.