[Remote] Mortgage Underwriter
Note: The job is a remote job and is open to candidates in USA. Lendz Financial is a full-service direct wholesale residential mortgage lending platform focused on helping mortgage brokers grow their loan origination volume. The Mortgage Underwriter will underwrite complex loan files across Non-QM programs, ensuring compliance with guidelines and collaborating with various teams to facilitate efficient loan processing.
Responsibilities
ā¢ Underwrite residential mortgage loan applications in compliance with company, investor, and regulatory guidelines
ā¢ Analyze borrower credit, assets, and income, including complex income scenarios such as: Self-employed borrowers, 1099 income, Bank Statement programs, Asset depletion and utilization
ā¢ Review and evaluate personal and business documentation, including 12- and 24-month bank statements, P&Ls, and cash flow statements
ā¢ Maintain an underwriting pipeline that meets established SLAs and productivity benchmarks
ā¢ Deliver clear, well-documented underwriting decisions and conditions aligned with program guidelines
ā¢ Provide written justification for loan decisions and required conditions
ā¢ Partner with Loan Officers, Account Managers, and Operations to resolve file-level questions and move loans efficiently toward closing
ā¢ Support quality control standards, including: Pre-closing defect rate below 10%, Post-closing defect rate below 5%
ā¢ Stay current on Non-QM guideline updates, investor overlays, and regulatory requirements
ā¢ Contribute to a collaborative team environment focused on continuous improvement and shared success
Skills
ā¢ 2ā5 years of mortgage underwriting experience, including exposure to Non-QM or alternative documentation loans
ā¢ Working knowledge of Non-QM products such as Bank Statement programs, DSCR, Asset Utilization, 1099 income
ā¢ Strong analytical skills with the ability to evaluate complex borrower profiles
ā¢ Clear, professional written and verbal communication skills
ā¢ A coachable mindset with a desire to learn, grow, and evolve within the role
ā¢ Strong time management skills and the ability to prioritize in a fast-paced environment
ā¢ Sound judgment, attention to detail, and a high level of accountability
Benefits
ā¢ Highly subsidized medical insurance
ā¢ Low-cost dental and vision insurance
ā¢ 401(k) program
ā¢ Health Savings Account (HSA)
ā¢ Generous paid time off and company holidays
ā¢ Ongoing training, mentorship, and professional development opportunities
ā¢ A collaborative, supportive work environment that values ownership and growth
Company Overview
ā¢ Lendz Financial provides mortgage lending services to US retail clients and foreign nationals. It was founded in 2019, and is headquartered in Miami, Florida, USA, with a workforce of 51-200 employees. Its website is https://lendzfinancial.com.
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Responsibilities
ā¢ Underwrite residential mortgage loan applications in compliance with company, investor, and regulatory guidelines
ā¢ Analyze borrower credit, assets, and income, including complex income scenarios such as: Self-employed borrowers, 1099 income, Bank Statement programs, Asset depletion and utilization
ā¢ Review and evaluate personal and business documentation, including 12- and 24-month bank statements, P&Ls, and cash flow statements
ā¢ Maintain an underwriting pipeline that meets established SLAs and productivity benchmarks
ā¢ Deliver clear, well-documented underwriting decisions and conditions aligned with program guidelines
ā¢ Provide written justification for loan decisions and required conditions
ā¢ Partner with Loan Officers, Account Managers, and Operations to resolve file-level questions and move loans efficiently toward closing
ā¢ Support quality control standards, including: Pre-closing defect rate below 10%, Post-closing defect rate below 5%
ā¢ Stay current on Non-QM guideline updates, investor overlays, and regulatory requirements
ā¢ Contribute to a collaborative team environment focused on continuous improvement and shared success
Skills
ā¢ 2ā5 years of mortgage underwriting experience, including exposure to Non-QM or alternative documentation loans
ā¢ Working knowledge of Non-QM products such as Bank Statement programs, DSCR, Asset Utilization, 1099 income
ā¢ Strong analytical skills with the ability to evaluate complex borrower profiles
ā¢ Clear, professional written and verbal communication skills
ā¢ A coachable mindset with a desire to learn, grow, and evolve within the role
ā¢ Strong time management skills and the ability to prioritize in a fast-paced environment
ā¢ Sound judgment, attention to detail, and a high level of accountability
Benefits
ā¢ Highly subsidized medical insurance
ā¢ Low-cost dental and vision insurance
ā¢ 401(k) program
ā¢ Health Savings Account (HSA)
ā¢ Generous paid time off and company holidays
ā¢ Ongoing training, mentorship, and professional development opportunities
ā¢ A collaborative, supportive work environment that values ownership and growth
Company Overview
ā¢ Lendz Financial provides mortgage lending services to US retail clients and foreign nationals. It was founded in 2019, and is headquartered in Miami, Florida, USA, with a workforce of 51-200 employees. Its website is https://lendzfinancial.com.
Apply tot his job
Apply To this Job