Residential & Consumer Underwriter

📋 Description

• Underwrite consumer credit requests and residential mortgage applications
• Review credit reports, income, assets, and debt to assess borrower risk
• Calculate DTI, LTV, and other underwriting metrics
• Identify policy exceptions and fraud indicators
• Recommend loan approvals or denials with clear rationale
• Ensure compliance with regulations like TILA, RESPA, HMDA, ATR/QM

🎯 Requirements

• Bachelor's degree in Finance, Accounting, or related field
• 3-7 years of consumer and/or mortgage underwriting experience
• Strong knowledge of credit analysis and underwriting principles
• Advanced Microsoft Excel skills
• Familiarity with Power BI preferred
• Excellent analytical and communication skills

🎁 Benefits

• 100% employer-paid health coverage for employees
• Medical, dental, and vision insurance
• 401(k) with 6% employer match and no vesting
• 2-4 weeks vacation plus sick time
• Fully remote work environment
• Employee banking benefits and stock options