Senior Home Lending Underwriter
New
U
UpstartFintech / Lending
The majority of our employees can live and work anywhere in the U.S, East / West coast time zonesFull-TimeSenior
Salary79,000 - 109,200 USD per year
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Job Details
- Experience
- 5+ years
- Required Skills
- Microsoft ExcelQuality Assurance
Requirements
- 5+ years of residential mortgage underwriting experience with independent decisioning authority
- Demonstrated experience making both approval and decline decisions
- Strong experience calculating income across multiple borrower profiles (W-2, self-employed, variable income, rental income, etc.)
- Experience reviewing loan files for fraud risk and escalating concerns appropriately
- Experience working within an LOS and reviewing full loan documentation packages
- Strong documentation skills supporting credit decisions for QA/audit review
Responsibilities
- Ensure all approval and decline decisions are well-supported, clearly documented, and consistent with credit policy and regulatory expectations.
- Accurately calculate and validate borrower income (W-2, self-employed, variable income, rental, etc.) and assess assets to determine repayment ability.
- Review applications for potential fraud indicators and take appropriate action in alignment with fraud protocols.
- Maintain complete, audit-ready loan files with clear rationale, supporting documentation, and decision notes.
- Apply underwriting guidelines consistently and contribute to maintaining quality and reducing defects across the underwriting process.
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