Related skills
financial modeling excel los heloc mortgage underwriting📋 Description
- Evaluate loan applications and make policy-aligned credit decisions.
- Ensure underwriting guidelines applied consistently across approvals/declines.
- Validate borrower income and assets; assess repayment ability.
- Identify potential fraud risks and escalate as needed.
- Collaborate with Processing, Closing, and Quality to fund decisions.
🎯 Requirements
- 5+ years residential mortgage underwriting with independent decisioning authority
- Experience making both approval and decline decisions
- Strong income calculation across W-2, self-employed, variable, rental income
- Experience with LOS and reviewing full loan documentation packages
- Documentation & compliance: audit-ready files with clear rationale
- HELOC-specific underwriting guidelines and second lien products (preferred)
🎁 Benefits
- Medical, dental, vision coverage
- 401(k) with Upstart matching up to $15,000/year
- Employee Stock Purchase Plan (ESPP)
- PTO, sick time, and holidays
- Paid family and parental leave
- Onsite perks in offices (Bay Area, Austin, Columbus, NYC)
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