Underwriter jobs in Mission Viejo, CA - 55 jobs

Come join our amazing team and work Remote ! We are hiring Underwriters for our Non- Agency Products- NO DE REQUIRED! The Wholesale Underwriter will underwrite loans in accordance with Company and Investor guidelines following company's policies and procedures under general supervision. Our loan product offers extremely competitive rates and terms- the best in the industry. Makes sound underwriting decisions and ensures that all decisions meet legal and policy requirements. Perform all duties in accordance with the company's policies and procedures, all US state and federal laws and regulations, wherein the company operates. The target pay range for this position is $90,000.00 to $120,000.00 + Monthly Incentive plan. What you'll do: A thorough knowledge of Non Agency or NON QM mortgage loan underwriting. Maintains highly confidential information concerning loan applicants. Requires high level of organizational skills and ability to work on several tasks simultaneously Performs a thorough analysis of collateral to ensure property meets investor guidelines and the appraisal quality and completeness is acceptable. Applies and interprets company underwriting guidelines and makes sound credit decision. Completes credit, analysis of income, analysis of property, ensures proper audits are completed and verifies consistency of loan file information. Identifies risk factors within each loan and utilizes resources, tools and documentation to detect red flags and clear inconsistencies. Reviews and evaluates credit information on mortgage loan documents to determine acceptability for specific loan programs. Determines any conditions, stipulations or pre-funding requirements. Reviews and clears underwriting conditions, stipulations or pre-funding requirements received. Communicates with clients, sales teams and operations teams to resolve outstanding issues as they arise What you'll need: 5+ years mortgage underwriting work experience. Experience Underwriting Non Agency or Non QM Loans Paperless Loan Origination System experience preferred. DU and LP experience required. Experience working in a paperless environment preferred. Our Company: Carrington Mortgage Services-Wholesale Lending is part of The Carrington Companies. We provide third-party originators, mortgage brokers and financial institutions with access to government and conventional loan programs, as well as low credit score home financing and low down payment options. We hope you'll consider joining our growing team of uniquely talented professionals as we transform residential real estate. To read more visit: **************************** What is the value proposition to joining the team? Increased earning capacity due to access to our 48 state territory. Ability to market faster and more efficiently inside the operation. Superior service levels offered to the broker as you're inside presence ensures every step of the loan process is handled in the most efficient manner possible. Professional account manager's partner with you and your brokers to add value every step of the way. Base pay plus an industry leading commission plan. Take over existing accounts. What We Offer: Comprehensive healthcare plans for you and your family. Plus, a discretionary 401(k) match of 50% of the first 4% of pay contributed. Access to several fitness, restaurant, retail (and more!) discounts through our employee portal. Customized training programs to help you advance your career. Employee referral bonuses so you'll get paid to help Carrington and Vylla grow. Educational Reimbursement. Carrington Charitable Foundation contributes to the community through causes that reflect the interests of Carrington Associates. For more information about Carrington Charitable Foundation, and the organizations and programs, it supports through specific fundraising efforts, please visit: carringtoncf.org.

Purpose of Position: The New Business Underwriter is responsible for reviewing new business cases and ensuring all requirements are met by following all Choice programs underwriting guidelines. Essential Functions: Uphold company policies and procedures as they apply to Choice Administrators programs. Underwrite new cases to determine that all submission requirements are received, and all underwriting guidelines are upheld. Complete the underwriting checklist in the system. Ensure missing information is received in writing and by the specified deadline. Complete any missing data entry based on additional information received. Communicate with Brokers and/or General Agencies via telephone or email regarding case status. Log case progress in the Underwriting Turnaround Tool in the department's SharePoint site. Ensure all approved cases are sent for quality control. Complete case audits. Move all approved cases to the corresponding iManage folder. Send notification of approved groups to GPC or COBRA. Document calls in the appropriate system for historical purposes and ease of access by other teams. Assist with updating forms, letters, and manuals as assigned. Must be able to test new programming as needed. Staying up to date on current industry changes and regulations. On-site and/or remote regular attendance and punctuality are essential functions of the job. Performs other business tasks or functions as assigned. Qualifications Job Qualifications: Must have a firm understanding of the underwriting process. Must have excellent verbal and written communication skills, especially under pressure. Ability to handle irate customers in a courteous, patient, calm and positive manner while maintaining a high quality of work. Must be computer literate with proficiency in Microsoft Word, Excel and Outlook. Must be able to work independently in a fast-paced environment where deadlines are a priority and handling multiple assignments simultaneously is the norm. Must be able to understand and follow directions. Must be a team player and participate in a close team-oriented environment. Must be able to schedule time to complete miscellaneous projects as assigned. Must be able to test new programming as needed. Must be able to pay attention to detail. Must possess a basic understanding of and ability to follow New Business Underwriting procedures and protocols. Must have a willingness to ask questions and seek clarification. Must be open to learning and personal growth. Must complete at least 5 audits per month. Must underwrite 90-100% of the monthly average of members and cases. Additional Competencies: Boss Relationships, Composure, Dealing with Ambiguity, Interpersonal Savvy, Learning on the Fly, Organizing, Perseverance, Problem Solving, Self-Development, Work/Life Balance. Educational Requirements: High School Diploma or equivalent required. Physical Requirements: Must be able to sit for extended periods of time and occasionally stand and walk. Must have adequate hearing for phone work. Vision requirements include close vision and the ability to adjust focus. Must be able to communicate effectively in English. Must be able to use a keyboard and other office equipment. Ability to lift up to 10 pounds occasionally.

Built on meritocracy, our unique company culture rewards self-starters and those who are committed to doing what is best for our customers. Bridge Specialty Group is seeking a Renewal Underwriter to join our growing team in Irvine, CA! The Renewal Underwriter is responsible for analyzing, underwriting, and servicing primarily renewal accounts, with support for new business as directed. This role evaluates risk exposures, determines appropriate premiums and terms, and ensures compliance with carrier guidelines and state regulations. The Renewal Underwriter works closely with brokers, agents, and internal teams to market and negotiate placements, issue accurate policies and supporting documents, and deliver exceptional service to clients. In addition to managing renewals, the position provides guidance and training to team members, contributes to departmental sales and production efforts, and fosters strong relationships with producers, carriers, and industry partners to support profitable growth. How You Will Contribute: Examine application forms, inspection reports, insurance maps, medical reports, and related documents to assess risk based on financial standing, age, occupation, accident history, and property value/condition. Review company records to confirm existing coverage on single risks or groups of related risks, while evaluating potential for catastrophic or excessive losses. Underwrite or broker renewal accounts, ensuring compliance with carrier guidelines, accuracy of applications, timely issuance of quotes, binders, and policies, and completion of state filings and tax payments. Assist Underwriters/Brokers with reviewing, analyzing, and underwriting renewal and new business accounts; determine premiums and terms, analyze exposures, and issue written indications, quotes, and binders. Utilize inspection companies to gather additional information, support rate development, and communicate company underwriting policies. Partner with Underwriters/Brokers to market services, meet with retail agency clients, and cultivate relationships that grow and retain business. Leverage binding authorities or broker risks when necessary to negotiate successful placements and support overall underwriting results. Ensure proper coding and completion of required forms and documentation. Service and maintain existing business with strong awareness of departmental priorities. Train and mentor processors and assistants by reviewing submissions, indications, quotes, binders, and policies for accuracy and completeness. Licenses and Certifications: P&C State licensed. Pursue the CIC or CPCU designation, thorough familiarity with applicable ISO manuals, forms, rating plans, policy forms i.e. coverages, exclusions, conditions, and terms. Skills & Experience to Be Successful: Bachelor's degree (B. A.) from four-year College or university is desired or five years insurance experience, two years of which is as an underwriting assistant Proficient with MS Office Suite Exceptional telephone demeanor. 1-3 years' experience with excess and surplus lines underwriting agency or company. About Us: Bridge Specialty Group creates a seamless way to connect the varying needs of our retail partners with the market clout and talents of our wholesale entities. Our more than 25 niche-focused brands reflect our deep experience and specialization in construction, general casualty, environmental liability, professional liability, health care, public entity, workers' comp, property and personal lines. With more than 50 locations and more than 2,000 team members throughout the United States and Europe, Bridge has access to more than 200 standard and excess & surplus lines carriers that support our $7+ billion premium book. Our focus is on bringing the power of collective size and specialty to the wholesale brokerage marketplace. Bridge Specialty Group - aligning risk with greater reach. Pay Range $75,000 - $100,000 Annual The pay range provided above is made in good faith and based on our lowest and highest annual salary or hourly rate paid for the role and takes into account years of experience required, geography, and/or budget for the role. Teammate Benefits & Total Well-Being We go beyond standard benefits, focusing on the total well-being of our teammates, including: Health Benefits : Medical/Rx, Dental, Vision, Life Insurance, Disability Insurance Financial Benefits : ESPP; 401k; Student Loan Assistance; Tuition Reimbursement Mental Health & Wellness : Free Mental Health & Enhanced Advocacy Services Beyond Benefits : Paid Time Off, Holidays, Preferred Partner Discounts and more. Not reflective of all benefits. Enrollment waiting periods or eligibility criteria may apply to certain benefits. Benefit details and offerings may vary for subsidiary entities or in specific geographic locations. The Power To Be Yourself As an Equal Opportunity Employer, we are committed to fostering an inclusive environment comprised of people from all backgrounds, with a variety of experiences and perspectives, guided by our Diversity, Inclusion & Belonging (DIB) motto, “The Power to Be Yourself”.

Marketing Statement: Philadelphia Insurance Companies, a member of the Tokio Marine Group, designs, markets and underwrites commercial property/casualty and professional liability insurance products for select industries. We have been in operation since 1962 and are nationally recognized as a member of Ward's Top 50 and rated A++ by A.M.Best. We are looking for a Sr. Surety Underwriter to join our team in either our Walnut Creek, Pasadena, Mission Viejo or San Diego offices! Summary: Under limited direction and supervision, underwrites and markets assigned products by providing high levels of risk assessment and technical underwriting expertise to determine underwriting acceptability. May provide high level of financial analysis to determine credit quality. A typical day will include the following: * Participates in the producer management process which may include, but is not limited to, premium collections. * Prepares underwriting submissions, making recommendations and/or decisions within established authority limits. Minimum authority is $1,000,000 (Surety). * Prepares and participates in marketing activities within the region to promote the development of new business. * Gathers and analyzing information, applies appropriate underwriting techniques necessary to make an accurate evaluation of acceptability of risk. May evaluate credit quality. * Prepares and participates in proposals to producers and/or accounts negotiating terms and conditions. * May ensure credit quality of accounts managed while maintaining and updating underwriting files. Qualifications: Bachelor's Degree At least three years of contract surety underwriting experience preferably with a carrier. AFSB designation preferred. The ability to manage multiple priorities, generate new business and be detail oriented. EEO Statement: Tokio Marine Group of Companies (including, but not limited to the Philadelphia Insurance Companies, Tokio Marine America, Inc., TMNA Services, LLC, TM Claims Service, Inc. and First Insurance Company of Hawaii, Ltd.) is an Equal Opportunity Employer. In order to remain competitive we must attract, develop, motivate, and retain the most qualified employees regardless of age, color, race, religion, gender, disability, national or ethnic origin, family circumstances, life experiences, marital status, military status, sexual orientation and/or any other status protected by law. Benefits: We offer a comprehensive benefit package, which includes tuition reimbursement and a generous 401K match. Our rich history of outstanding results and growth allow us to focus our business plan on continued growth, new products, people development and internal career opportunities. If you enjoy working in a fast paced work environment with growth potential please apply online. Additional information on Volunteer Benefits, Paid Vacation, Medical Benefits, Educational Incentives, Family Friendly Benefits and Investment Incentives can be found at ***************************************** Share: mail Apply Now

Apply Description At Sunflower Bank, N.A., we're experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-service financial institution, we offer a full range of relationship-focused services to meet personal, business, and wealth-management financial objectives. Creating Possibility is not just our mission, it's what we do every day for clients and associates. Learn more about Sunflower Bank at sunflowerbank.com. Sunflower Bank, N.A. is looking for an energetic, highly motivated individual to fill the full-time position of Private Banking Credit Underwriter. 2+ years experience in Private Wealth Lending is a MUST. Description: The Private Banking Credit Underwriter position is responsible for gathering, analyzing and interpreting financial and credit information in order to assess the creditworthiness of the company's commercial customers, focusing on the company's moderately complex credit relationships. The position assists Business/Commercial Bankers in supporting new and existing assigned loan relationships with an emphasis on maximizing credit quality and minimizing risk. Responsibilities: Review and analyze financial and credit information, such as financial statements, tax returns and credit reports to determine creditworthiness for borrowers and guarantors. Determine the need for a more thorough investigation or additional information and contact appropriate sources for such information. Prepare detailed financial and analytical reports for each entity analyzed, including historical financial data and trends, detailed cash flow analysis, global cash flow analysis, and simple projections. Research pertinent industry and market information relevant to customers' lines of business. Prepare a written summary of analysis for new and existing loan relationships, especially in regards to the sufficiency of cash flow, collateral and other repayment sources. Assess overall strengths and weaknesses of credit relationship. Communicate key analytical finding and opinions to Business/Commercial Bankers, management or credit officers. Assist in monitoring assigned moderately complex credit files for periodic financial statements, borrowing base certificates, accounts receivable aging, and other items as required by the loan documents. Ensure that covenant compliance and financial reporting requirements are addressed. Exercise independent judgement on client relationship credit analysis and take appropriate resulting action. Participate in departmental or company-wide projects. Seek and propose process improvements. Provide technical advice and assistance to Business/Commercial Bankers and customers. Attend joint calls with the Commercial Banker to gather more information about the business. Assist in the training and development of the Underwriter I. Remain educated and informed about industry trends, community developments, market conditions and regulatory requirements and understand their effect on the company's lending criteria. Understand and adhere to all applicable federal and state laws and regulations, including, but not limited to, the Bank Secrecy Act (BSA) and related anti-money laundering laws and Office of Foreign Asset Controls (OFAC). Education / Experience Preferred: Bachelor's Degree in Accounting, Business, Economics, Finance, or similar field, in lieu of a degree, applicant must have a high school diploma or equivalent and have completed a formal credit training program or certification. 2+ years of experience in credit analysis/portfolio management in a commercial lending environment required with experience in private wealth lending. Must possess specific area of underwriting expertise in at least one area of lending, such as commercial real estate, commercial and industrial lending or SBA lending. Must possess proven ability to successfully understand and analyze financial statements, including balance sheets, income statements, cash flow, and tax returns. Must be proficient in Microsoft Office Suite. Must possess strong business math skills. Must possess proven ability to think critically and communicate results concisely and clearly, both verbally and in writing. Must possess ability to multi-task, prioritize and meet deadlines. Must have ability to work collaboratively by finding common ground to solve problems with the ability to represent his/her own opinion. Must remain educated and informed on industry trends, market conditions and regulatory requirements and actively work to continuously develop professionally. Must possess excellent verbal, written, interpersonal and customer service skills to tactfully and professionally assist with customers, employees, senior management, auditors and regulators. Must have the ability to travel to branch offices as needed. Must be able to work flexible hours. Pay is dependent on knowledge, skills, abilities, experience, and location. Working Conditions The physical demands of this position require the ability to perform essential job functions with or without reasonable accommodation. Employees may spend extended periods sitting or standing, using hands to operate computers or other equipment, and reaching for work-related tasks. Regular walking may be required, along with occasional bending, stooping, kneeling, or climbing. The role may involve lifting or moving items weighing up to 10 pounds. Vision requirements include close and distance vision, color and peripheral vision, depth perception, and the ability to adjust focus. Sunflower Bank Benefits People choose to “bank” with us, but for those we serve, we're more than a bank. We strive to be the financial backbone of their lives, and we know that starts with our team. Our supportive culture empowers team members to grow and seize new opportunities. Like our namesake, the sunflower, we are: Rooted in Strength Propelled by Growth Individuals in a Great Whole Creating Possibility Community Focused Associates enjoy outstanding benefits, including: 401(k) Plan with 6% Match Health/Dental/Vision Insurance Company-paid Life Insurance Tuition Reimbursement Fitness Reimbursement Paid Time Off Volunteer Leave Paid Holidays Plus many more associate perks & incentives! If you qualify, apply online at ****************************** You've never worked anyplace like Sunflower Bank! EOE/AA: Minorities/Females/Disabled/Vets Sunflower Bank, N.A. is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with a disability, sexual orientation, gender identity, or any other characteristic protected by law. Open until filled; early application encouraged. This vacancy announcement may be used to fill similar positions within 90 days. If you are a California resident, you may be entitled to certain rights regarding your personal information, which is information that identifies, relates to, or could reasonably be linked with a particular California resident or household. Additional information about our data collection practices and location specific notices is available on our privacy policy.

HomeXpress - Your Leading Non-QM Mortgage Lender Join our growing team and be part of the Top Non-QM Lender in the Business We are known for closing mortgage loans with Speed, Ease, and Convenience Licensed in 46 States, we provide brokers with a full suite of mortgage products, including VA, FHA, FNMA, & FHLMC. HomeX also has a great company culture, tremendous growth opportunities, and competitive employee benefits Join us as we continue to grow and expand our business to the Non-Delegated Correspondent Channel! Job Description ESSENTIAL DUTIES AND RESPONSIBILITIES: Clear conditions, including but not limited to credit and title conditions Prep loan files for review by an Underwriter to determine eligibility within HomeXpress' guidelines Assisting Underwriters as needed to move pipeline in a forward trajectory Verify completeness of credit file Calculate income Confirm qualified Change of Circumstances and reprice loans as needed Run reports and interact with various third-party vendors Job Functions: Capable of underwriting a minimum of 3-4 new loans per day. Review conditions in a timely manner to remain in compliance with posted turn times. Analyze all areas of the mortgage loan application; including credit, income, assets, collateral, and compliance documents to ensure loan meets company, investor and regulatory guidelines. Review Income documentation and calculate income per investor and company guidelines. Review Assets to determine reserves and cash to close per investor and company guidelines. Required Knowledge: Conforming and Non-QM Underwriting Guidelines Strong verbal & written communications skills Strong problem solving skills Excellent interpersonal, customer service and organizational skills High level math aptitude Ability to move between tasks quickly is preferred; being able to respond to pressure situations easily and work productively in a fast paced, sometimes stressful environment. Knowledge of Conventional loan products, underwriting procedures, creditor financial analysis techniques, investor requirements and escrow/title practices, as well as regulatory compliance laws as they apply to mortgage transactions. Superior knowledge of personal computers and applicable software. Job Type: Full-time Pay: $70,000.00 - $80,000.00 per year Benefits: 401(k) matching Dental insurance Health insurance Paid time off Vision insurance Schedule: Monday to Friday Experience: Non-QM: 2 years (Required) Underwriting: 2 years (Required) Work Location: In person Additional Information All your information will be kept confidential according to EEO guidelines.

Unlock your potential with Quantum ePay a fast growing fintech company that helps business owners lower costs, increase revenue, and improve their quality of life. We provide innovative payment processing solutions and an ever expanding suite of products that boost productivity, efficiency, and confidence. With a focus on exceptional merchant service, we value integrity, teamwork, passion, and reliability. As our company continues to grow, we are looking for driven professionals ready to take the next step in their career. If you are motivated by success and eager to grow, join us and maximize your potential with Quantum ePay. The Underwriter I plays a key role in reviewing merchant applications for payment processing, evaluating risk, and ensuring compliance with bank and industry requirements. This role is ideal for someone early in their underwriting career who is eager to learn, grow, and make an impact in a fast paced environment. ESSENTIAL DUTIES AND RESPONSIBILITIES Review merchant applications to assess risk and determine acceptance based on underwriting guidelines Interpret and analyze credit reports, business registrations, financial statements, and tax returns Verify and confirm information submitted on merchant applications Ensure daily applications are processed accurately and in a timely manner Communicate with agents regarding pending applications and required documentation Identify patterns, potential risks, and process improvements Navigate multiple systems and platforms to update and track application status Support team initiatives and perform additional duties as assigned QUALIFICATIONS Previous experience in credit, risk, finance, or a related field preferred Merchant underwriting experience a plus but not required Experience with TSYS a plus Strong working knowledge of Microsoft Office Suite and Adobe PDF Ability to quickly learn new proprietary software (CRM) and third party vendor systems Strong problem solving skills with the ability to apply innovative solutions Customer focused mindset with excellent verbal and written communication skills Strong research and analytical skills with great attention to detail Ability to read, interpret, and apply business documents, industry standards, and regulations Proficient in basic business math including percentages, ratios, and volume calculations SALARY: This role includes quarterly profit-sharing bonuses as part of a total compensation package, in addition to a full range of medical, dental, retirement planning, and/or other benefits. Base salary range: $48,000 - $55,000 Salary including quarterly profit-sharing bonus and comprehensive benefits program range (annualized): $67,725 - $ 73,725 WHY WORK HERE? Awarded Top Workplace of Orange County by the OC Register! New state of the art, open-concept facility with stand-up desks, balance boards, stationary bikes and more! Work hard, play hard culture! Monthly Beer Socials and BBQs! Proven "promote from within" mentality! Benefit offerings: Medical, dental, vision, acupuncture and chiropractic 401k Safe Harbor; 100% employer match processed semi-monthly, up to 4% Profit Sharing; paid on a quarterly basis

Mission Loans is seeking experienced mortgage professionals who thrive in a fast-paced environment without losing focus on quality of work and delivering an exceptional customer experience. As an Underwriter, your primary mission is to evaluate and decision borrower qualification for mortgage loans to ensure creditworthiness, ensure compliance with company, agency and investors standards and deliver a best-in-class customer experience. PRIMARY DUTIES & RESPONSIBILITIES: Overall responsibility for (i) evaluation and decision of borrower qualification for a mortgage loan to ensure creditworthiness, (ii) ensuring compliance with company, agency, and investors standards, and (iii) delivering a best-in-class customer experience. Verify borrower loan application contains all necessary documentation, credit, and financial information; calculate qualifying ratios; identify borrower risk profile. Perform thorough analysis of borrower's application such as: (i) income and expense data, (ii) asset documentation, (iii) credit reports, (iv) employment, (v) title and (vi) property valuations to affirm borrower stability, capacity to repay and qualification against company, agency and/or investor guidelines. Make and issue independent, compliant underwriting decisions detailing clear conditions necessary to clear the loan for closing. Partner with sales, customer relationship managers, and closers-funders to resolve problems, qualification issues, and clear conditions throughout the underwriting process. Manage underwriting pipeline queues (i.e., initial submissions, conditions, change requests, final approval) to deliver timely decisions that meet company-published service standards. Respond promptly to assist in resolving issues related to requests such as post-closing conditions, suspended loans, quality control audits, and investor audits/inquiries. Maintain current knowledge of company, agency, and investor underwriting guidelines and policies. Scenario support for production. Operate with a goal to meet and exceed internal and external customer expectations. Operate in a manner that promotes loan quality and compliance with lending laws. Maintain productivity and quality performance at or above required goals. SKILLS & ABILITIES: Subscribe to the mission of creating a truly customer and team member-centric environment. Love to come into work every day and win. Highly motivated self-starter who can work independently under minimal supervision and as a team player. Clear, effective interpersonal skills, written and verbal communication skills. Ability to work in a fast-paced, multi-tasking environment and manage multiple deadlines. Strong analytical, problem-solving, and creative thinking skills. Ability to learn and adapt to guideline changes. Strong organization, follow-through, and time management skills. Excellent attention to detail with commitment to accuracy and quality. Dependable, responsible, and able to use good judgment. QUALIFICATIONS & EXPERIENCE Bachelor's degree preferred. 2-5 years of underwriting experience in a high-volume mortgage setting. VA SAR certification. Experience in Loan Assumptions is a plus. Thorough understanding of agency & investor underwriting guidelines, policies, and procedures. Extensive knowledge in the following loan programs/products: conventional, FHA, VA, refinance and purchase, a plus - jumbo and non-QM. Advanced/Extensive knowledge and responsibility for compliance with state and federal regulations applicable to loan fulfillment. Advanced math skills; adept at calculating income from salaried and self-employed borrowers, qualifying ratios, and other relevant loan calculations. Expert knowledge of Desktop Underwriter (DU) & Loan Prospector/Loan Product Advisor (LP/LPA). Basic proficiency in Microsoft Office products (Excel, Word, PowerPoint, etc.). Experience with Byte is a plus. Other Duties: This position profile is not intended to be an all-inclusive list of job duties and responsibilities, as one may be asked to perform additional related duties, as assigned, in order to meet the needs of the organization. Compensation: $36.00-$40.00/hour + bonus. Location: Remote opportunity available.

Monterey Park, CA Financial Services - Commercial Banking Exp 10 -15 yrs Degree Bach Relo Bonus Job Description Responsible for making credit worthy decisions on complex commercial transactions to determine acceptability of risk in accordance with the company guidelines and standards. Advanced expertise on commercial loans Position Accountabilities Evaluates all financial statements (business and personal tax returns, fiscal year-end and interim statements and personal financial statements) for credit worthiness. Identifies recurring and non-recurring income/expenses. Comprehend all schedules, notes, and K-1's. Differentiates between cash and accrual method as well as comprehend UCA cash flow analysis. Consolidates related entities and summarizes results. Identifies credit strengths, weaknesses, industry risks, and anomalies that lead to further investigation. Determines or amends applicable loan agreement covenant and monitoring requirements. Collaborates with Relationship Managers on reasoning for a particular decision, answering potential loan request questions, identifiying/resolving potential problem loans. Prepares a comprehensive credit summary in conjunction with the Relationship Managers and Credit Manager to address all material aspect of the request. Supports management of the Relationship Manager portfolio by addressing convenant violations, completing annual review/renewals, and identifiying opportunities. Performs other duties as assigned. Qualifications Required Education or Equivalent Experience Bachelor's Degree Required Required Experience Years of functional/professional experience: At least 10 years Field of Experience Expert knowledge of information and data processing systems. Expert in evaluating business and credit reports Expert knowledge of our Policy and Procedures Expert understanding of various regulatory/compliance policy and procedure including but not limited to Fair Lending, OFAC, Flood, Regulation O, highly leveraged transactions, etc. Meet and/or exceed our Service Level Agreement commitment Proficiency in MS Office and other system applications Excellent written and verbal communication skills Excellent organizational skills Additional Information All your information will be kept confidential according to EEO guidelines. Direct Staffing Inc

Non-QM Underwriter (DSCR / Bank Statement / Alt-Doc) - On-Site only- NOT REMOTE OR HYBRID Our client, a growing California-based mortgage lender, is seeking an experienced Non-QM Underwriter with expertise in DSCR, Bank Statement, and alternative documentation loan products. Key Responsibilities Review and underwrite Non-QM, DSCR, Bank Statement, VOE, P&L, and Asset-based mortgage loans. Analyze self-employed and alternative documentation income calculations. Ensure all files meet company, investor, and regulatory guidelines. Run AUS findings and evaluate risk using DU, LPA, and Total Scorecard. Communicate effectively with processors, account managers, and loan officers to resolve file conditions. Manage a consistent underwriting pipeline, maintaining strong accuracy and turnaround times. Stay current on investor guidelines and evolving Non-QM products. Qualifications Minimum 5 years of residential mortgage underwriting experience. 3+ years of Non-QM underwriting experience (required). Advanced understanding of DSCR, Bank Statement, VOE, P&L, and Asset-based loans. Strong experience underwriting self-employed borrowers and complex income structures. Proficiency with Encompass LOS, CoreLogic FraudGuard, and AUS systems (DU, LPA, Total Scorecard). Must have underwritten front line loans within the past 12 months. Compensation & Benefits Base salary: $70,000-$100,000 (DOE) Bonus: Monthly eligibility after 2 years based on funding quota Benefits: Health Insurance, SIMPLE IRA (3% match), PTO, 5 sick days per year National Mortgage Staffing does not determine the requirements or compensation for this role. All criteria are set forth by our client and must be followed exactly. Thank you for your interest! If your background aligns with our clients needs, one of our Recruiters will reach out. Please Check your spam folder and voicemail for messages from our recruiters. Unfortunately due to high volumes of applicants, we may not be able to respond to those who are not a fit. If you do not hear from us regarding this application, please know we do appreciate your interest and encourage you to continue to keep an eye on our website for new opportunities.

Join one of the top 20 auto finance companies in the industry and grow with us! We offer in-house promotions, great benefits, work-life balance, and job stability. Would you like to work for a rewarding company that encourages their employees to learn and develop? Then partner with Lobel! Lobel Financial is a full-spectrum auto financing solution that specializes in the acquisition and servicing of prime to sub-prime motor vehicle retail installment contracts. We are head quartered in Southern California and have branch offices coast-to-coast. Position Summary The Underwriter is responsible for reviewing loan packages to ensure all aspects of the underwriting process has been properly completed and that it adheres to company policies and procedures. The Underwriter reviews the information on the loan application, contract and other documents to determine if the loan applicant meets the loan requirements before it's funded. Other duties include, interacting with dealers, customers, field representatives, and a variety of other outside entities. The successful candidate provides a high level of customer service and promotes that culture through training, guidance and staff motivation. This position also acts as a liaison between dealers and customers. Basic Responsibilities * Review and verify the loan package * Review credit reports, calculate income, examine book valuations * Ensure stipulations and documentation are in order and valid before submitting the loan package for funding. * Communicate with dealers and branch team. * Develop and maintain strong customer service with customers and dealerships * Understand and follow the policies and procedures in place Skills & Qualifications * Have some experience reading credit reports * Attention to detail and work well in fast paced environment * Have a positive attitude and be customer service oriented * Organizational skills * Ability to use office equipment * High School Diploma required Company Benefits * 401K with company match * Medical, dental and vision * Optional life insurance * Paid holidays * Paid vacation and sick days Lobel Financial is an equal opportunity employer. No Agencies Please!

Job DescriptionDescription: At Sunflower Bank, N.A., we're experiencing great growth. Since our founding in 1892, we've been committed to serving our communities and supporting the team members who make it all possible. As a full-service financial institution, we offer a full range of relationship-focused services to meet personal, business, and wealth-management financial objectives. Creating Possibility is not just our mission, it's what we do every day for clients and associates. Learn more about Sunflower Bank at sunflowerbank.com. Sunflower Bank, N.A. is looking for an energetic, highly motivated individual to fill the full-time position of Private Banking Credit Underwriter. 2+ years experience in Private Wealth Lending is a MUST. Description: The Private Banking Credit Underwriter position is responsible for gathering, analyzing and interpreting financial and credit information in order to assess the creditworthiness of the company's commercial customers, focusing on the company's moderately complex credit relationships. The position assists Business/Commercial Bankers in supporting new and existing assigned loan relationships with an emphasis on maximizing credit quality and minimizing risk. Responsibilities: Review and analyze financial and credit information, such as financial statements, tax returns and credit reports to determine creditworthiness for borrowers and guarantors. Determine the need for a more thorough investigation or additional information and contact appropriate sources for such information. Prepare detailed financial and analytical reports for each entity analyzed, including historical financial data and trends, detailed cash flow analysis, global cash flow analysis, and simple projections. Research pertinent industry and market information relevant to customers' lines of business. Prepare a written summary of analysis for new and existing loan relationships, especially in regards to the sufficiency of cash flow, collateral and other repayment sources. Assess overall strengths and weaknesses of credit relationship. Communicate key analytical finding and opinions to Business/Commercial Bankers, management or credit officers. Assist in monitoring assigned moderately complex credit files for periodic financial statements, borrowing base certificates, accounts receivable aging, and other items as required by the loan documents. Ensure that covenant compliance and financial reporting requirements are addressed. Exercise independent judgement on client relationship credit analysis and take appropriate resulting action. Participate in departmental or company-wide projects. Seek and propose process improvements. Provide technical advice and assistance to Business/Commercial Bankers and customers. Attend joint calls with the Commercial Banker to gather more information about the business. Assist in the training and development of the Underwriter I. Remain educated and informed about industry trends, community developments, market conditions and regulatory requirements and understand their effect on the company's lending criteria. Understand and adhere to all applicable federal and state laws and regulations, including, but not limited to, the Bank Secrecy Act (BSA) and related anti-money laundering laws and Office of Foreign Asset Controls (OFAC). Education / Experience Preferred: Bachelor's Degree in Accounting, Business, Economics, Finance, or similar field, in lieu of a degree, applicant must have a high school diploma or equivalent and have completed a formal credit training program or certification. 2+ years of experience in credit analysis/portfolio management in a commercial lending environment required with experience in private wealth lending. Must possess specific area of underwriting expertise in at least one area of lending, such as commercial real estate, commercial and industrial lending or SBA lending. Must possess proven ability to successfully understand and analyze financial statements, including balance sheets, income statements, cash flow, and tax returns. Must be proficient in Microsoft Office Suite. Must possess strong business math skills. Must possess proven ability to think critically and communicate results concisely and clearly, both verbally and in writing. Must possess ability to multi-task, prioritize and meet deadlines. Must have ability to work collaboratively by finding common ground to solve problems with the ability to represent his/her own opinion. Must remain educated and informed on industry trends, market conditions and regulatory requirements and actively work to continuously develop professionally. Must possess excellent verbal, written, interpersonal and customer service skills to tactfully and professionally assist with customers, employees, senior management, auditors and regulators. Must have the ability to travel to branch offices as needed. Must be able to work flexible hours. Pay is dependent on knowledge, skills, abilities, experience, and location. Working Conditions The physical demands of this position require the ability to perform essential job functions with or without reasonable accommodation. Employees may spend extended periods sitting or standing, using hands to operate computers or other equipment, and reaching for work-related tasks. Regular walking may be required, along with occasional bending, stooping, kneeling, or climbing. The role may involve lifting or moving items weighing up to 10 pounds. Vision requirements include close and distance vision, color and peripheral vision, depth perception, and the ability to adjust focus. Sunflower Bank Benefits People choose to “bank” with us, but for those we serve, we're more than a bank. We strive to be the financial backbone of their lives, and we know that starts with our team. Our supportive culture empowers team members to grow and seize new opportunities. Like our namesake, the sunflower, we are: Rooted in Strength Propelled by Growth Individuals in a Great Whole Creating Possibility Community Focused Associates enjoy outstanding benefits, including: 401(k) Plan with 6% Match Health/Dental/Vision Insurance Company-paid Life Insurance Tuition Reimbursement Fitness Reimbursement Paid Time Off Volunteer Leave Paid Holidays Plus many more associate perks & incentives! If you qualify, apply online at ****************************** You've never worked anyplace like Sunflower Bank! EOE/AA: Minorities/Females/Disabled/Vets Sunflower Bank, N.A. is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with a disability, sexual orientation, gender identity, or any other characteristic protected by law. Open until filled; early application encouraged. This vacancy announcement may be used to fill similar positions within 90 days. If you are a California resident, you may be entitled to certain rights regarding your personal information, which is information that identifies, relates to, or could reasonably be linked with a particular California resident or household. Additional information about our data collection practices and location specific notices is available on our privacy policy. Requirements:

Join our team as a Junior Underwriter and play a key role in turning approvals into contracts. You'll call dealerships on applications that have been approved or conditionally approved through our automated decisioning process and will provide solutions with the goal of capturing the contract while assessing the overall risk of the application. Using UACC's common-sense lending approach, you will build strong dealer relationships over the phone, deliver outstanding service, and help drive business growth while representing a trusted brand in the auto finance industry. Essential Duties and Responsibilities As a Junior Underwriter, you'll be the bridge between approvals and signed contracts, turning opportunities into results while building lasting dealer relationships. You will: Close the loop - Call our dealership partners to rehash approvals with the goal of capturing the contract while providing solutions and assessing the overall risk of the application. Match the right fit - Ensure sales contracts meet program and guideline specifications or counteroffer to a different program to evaluate risk and price the application accordingly Be a trusted partner - Work hand-in-hand with dealerships, Area Managers, and our Sales/Marketing team to strengthen relationships and drive success. Add value to every deal - Review deals with dealers and help structure or restructure them for the best possible outcome. Bring solutions to the table - Gather key information to recommend alternative products or programs when appropriate. Educate and empower - Clearly explain the “why” behind credit decisions, helping dealers understand our approach and build confidence in our partnership. Aim high - Consistently hit or exceed monthly goals for production, quality, and customer satisfaction. Collaborate for success - Work closely with internal teams like Funding and Sales to keep deals moving smoothly. Stay adaptable - Jump in where needed to support the team and company goals. Qualifications We're looking for a motivated professional who thrives in a fast-paced, relationship-driven environment. Skills & Abilities Excellent communication and interpersonal skills Strong organizational and time management abilities Proven ability to build relationships with dealers, sales/marketing teams, and peers Skilled negotiator with a drive to win in a competitive market and ability to think outside the box Compensation Range: $17.00 - $21.00 an hour, based on Location and Experience Uncapped Bonuses, Averaging $1,100 - $1,500 monthly Expected Total Compensation including Average Bonuses = $50K - $60k Education/Experience Bachelor's degree preferred (or equivalent combination of education and experience) Auto finance or financial services experience preferred but not required No certifications or licenses required Technical Skills Proficient in Microsoft Office, Google G Suite, and Teams Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually quiet. Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this Job, the employee is regularly required to sit. The employee is occasionally required to walk. Job Type: Full-time Commitment to Diversity and Equal Employment Opportunity United Auto Credit Corporation, a wholly owned indirect subsidiary of Vroom, is an equal opportunity employer committed to creating and supporting a work environment where all employees can find their drive. To do that, we champion a workplace where each and every person is treated with dignity and respect and is valued for their unique perspectives and contributions. We believe our values of SPEED (Service, Progress, Employees, Engagement, and Development) are best realized in an environment, whether physical or virtual, where every individual has the ability to bring their whole selves to work and contribute fully. UACC maintains a working environment that encourages mutual respect and promotes harmonious and friendly relationships among employees. The company prohibits any form of employment discrimination or harassment against employees, applicants, or other protected persons in the workplace based on a protected characteristic(s), regardless of who the source is of such conduct. Protected characteristics include race, color, religion, creed, sex (including gender, sexual orientation, gender identity or expression, or pregnancy, childbirth, or a related medical condition), national origin, ancestry, ethnicity, age, physical or mental disability, genetic information, service in the uniformed services, citizenship, or any other characteristic protected by federal, state, and/or local law. This commitment to antidiscrimination and antiharassment applies to all terms, conditions, and privileges of employment including, but not limited to, recruitment and hiring. UACC likewise provides reasonable accommodations to qualified applicants, employees, or other legally protected individuals in the workplace with a disability to enable them to participate in the job application process, to perform the essential functions of a job, or to enjoy the benefits and privileges of employment equal to those of other employees, except if the accommodation would pose an undue hardship. The company also makes reasonable accommodations for religious beliefs and practices. UACC complies with all applicable federal, state, and/or local laws relating to equal employment. Other Things to Note This posting is not intended to provide a comprehensive account of the duties and responsibilities that may be required of this position. Duties and responsibilities may change or be added at any time, with or without notice. Please review our privacy and CCPA policies.

Sr. A&E Underwriting Professional - (25000066) Description Senior A&E Underwriting ProfessionalLocation: The position can be located in any Allied World US office including New York, Iselin, NJ, Boston, Farmington, Houston, Dallas, Chicago, Philadelphia, Los Angeles, San Francisco, MiamiJob Summary:The AVP will be proficient in evaluating, analyzing and determining the appropriate terms and conditions for the various products within the A&E Division. This will include A&E, Contractors, Project placements and Excess placements on all lines. The position will focus, in part, on facilitating and developing producer and insured contacts specific to Architects and Engineers within the ENR 500 group. Job Duties & Responsibilities:Job Duties & Responsibilities:· Review and analyze underwriting submissions· Establish a network of market contacts and act as the lead marketer of A&E and Construction Professional in your territory· Underwrite to appropriate terms and conditions following the Company business strategy to quote selected risks· Present accounts to customers· Price and analyze coverage, structure and exposures· Authorize quotes/binders/invoices as appropriate· Attend client/broker meetings as applicable· Negotiate with brokers and clients for new and renewal business· Assist in the development and formulation of data/reports as needed· Ensure that underwriting pricing and discipline are followed to meet profitability goals, complying with underwriting guidelines, systems and procedures· Attend underwriting audits as needed· Liaise with brokers, internal auditors and Claims, Accounting, IT and Legal departments as appropriate· Attend important industry conferences and seminars as appropriate Qualifications Compensation:The annualized base pay range is a broad range based on analysis of similar positions in the market. The actual base pay for the position may be above or below he listed range and determined by a number of considerations, including but now limited to complexity, location, and scope of the role, along with experience, skills, education, training, and other conditions of employment. Base salary represents one compensation of Allied World comprehensive total reward package, which may also include annual incentive compensation rewards. The base salary range for this role is $150,000 - $210,000. The base salary range for this role is $150,000 - $210,000. Qualifications · 7+ years Professional liability underwriting experience, or equivalent broker experience· Experience in architects and engineers (A/E) exposure analysis, Contractors exposure analysis, project specific professional liability placements and a working knowledge of A/E/Contractors specialty producers and brokers· Solid communication skills, computer skills, and organizational skills· Insurance certification preferred (CPCU or RPLU) Allied World Assurance Company Holdings, Ltd, through its subsidiaries, is a global provider of insurance and reinsurance solutions. We operate under the brand Allied World and have supported clients, cedents and trading partners with thoughtful service and meaningful coverages since 2001. We are a subsidiary of Fairfax Financial Holdings, Limited and benefit from a strong capital base and a worldwide network of affiliated entities that allow us to think and respond in non-traditional ways. Our generous benefits package includes: Health, Dental and Disability Insurance, a company match 401k plan, and Group Term Life Insurance. Allied World is an Equal Opportunity Employer. All qualified applicants will be considered for employment without consideration of any disability, veteran status or any other characteristic protected by law. To learn more, visit awac. com, or follow us on Facebook at facebook. com/alliedworld and LinkedIn at linkedin. com/company/allied-world. Primary Location: US-NY-New YorkOther Locations: US-MA-Boston, US-CA-San Francisco, US-CT-Farmington, US-NJ-Iselin, US-NY-Jericho, US-PA-Philadelphia, US-FL-Miami, US-CA-Los Angeles, US-CA-Costa Mesa, US-TX-Dallas, US-IL-Chicago, US-TX-Houston, US-GA-AtlantaWork Locations: New York 199 Water Street New York 10038Job: UnderwritingEmployee Status:RegularJob Type:StandardJob Posting: Jan 7, 2026, 3:40:34 PMMaximum Salary210,000. 00Pay BasisYearly

We are seeking a Commercial Real Estate Loan Underwriter to join our team in Monterey Park. In this role, you will be responsible for evaluating credit risk and preparing comprehensive credit reports. The ideal candidate will have strong analytical skills, a solid accounting background, and the ability to organize and prioritize tasks efficiently and effectively. If you're ready for a new challenge in a dynamic environment, we'd love to hear from you! Perform underwriting due diligence, including analyzing loan packages, studying and analyzing professional third-party reports such as appraisal and environmental reports, and conducting site inspections Prepare credit write-ups Prepare loan extension or other amendment write-ups Review the title reports Other duties assigned Bachelor's degree in business or related field Experienced in commercial loan underwriting Proficient in Microsoft Office Demonstrates good communication and writing skills

Kinetic Personnel Group is seeking an Underwriting Customer Service Representative for an auto insurance company in Monrovia, CA. This position serves as the focal point for underwriting new business and policy changes by reviewing, accepting, or rejecting applications submitted by producers. The role also provides ongoing policyholder and producer support, handling underwriting-related customer service calls and administrative tasks in a fast-paced underwriting department. Responsibilities Underwrite and process new business applications and review underwriting change requests Order and review CLUE reports and Motor Vehicle Reports (MVRs) Process endorsements, cancellations, reinstatements, and non-renewals Maintain a suspense list and follow up with producers via phone or email to obtain missing or incomplete information Handle incoming calls from policyholders and producers regarding coverage explanations and payment schedules Conduct business and commercial investigations related to applications and endorsements Complete underwriting notifications, follow-up letters, diary notes, and documentation Work nightly batch logs, review and process uploads, and prepare Letters of Experience Report producer-related issues to the Marketing Department Interpret and maintain familiarity with underwriting guidelines Perform miscellaneous underwriting tasks including return mail, walk-in customer service, claim notifications, waiver/exclusion reviews, and processing indexed or scanned items Assist with underwriting reports, projects, and departmental initiatives Perform miscellaneous accounting-related tasks such as reviewing refund checks, EFT forms, and working with accounting reports Prepare claims subpoena requests for documentation as needed Qualifications High school diploma or equivalent required Basic understanding of auto insurance required Ability to accurately and efficiently enter data into an administration system Strong mathematical aptitude and communication skills Spanish-speaking a plus Prior underwriting or insurance experience preferred Essential Functions Ability to think clearly and manage multiple tasks Proficient computer skills Effective written and verbal communication Ability to sit and/or stand for extended periods Comfortable working in an office environment KPG123

Must have reliable transportation Bi-lingual (English and Spanish) is a must Management opportunities Insurance and Tax Prep Specialist - Fiesta Insurance and Tax Service Are you highly skilled in insurance and tax preparation? Do you enjoy providing excellent customer service? If you answered yes, then we have the perfect opportunity for you! Fiesta Auto Insurance and Tax provides top notch, affordable insurance and tax products with a level of customer service that is second to none! Join our dynamic team and become part of a company that values its employees and offers a fun and loving work environment. We offer top pay and have room for quick advancement. At Fiesta we have a strong team environment and make it fun for the staff and customers. Job Overview: Prepare and file tax returns for individuals and small businesses Assist clients in selecting the right insurance products for their needs Provide exceptional customer service and build long-term relationships with clients What's in it for you: Competitive pay with commission and bonus opportunities 401K, Health, dental, and vision insurance Opportunity to learn and grow in the insurance and tax industry Requirements: No education required Experience in insurance and tax preparation is preferred Location: Locations thru out Los Angeles If you are a motivated and talented individual with a passion for insurance and tax preparation, apply now and join our team at Fiesta Insurance and Tax Service! Work schedule 8 hour shift Supplemental pay Commission pay Bonus pay Benefits Health insurance Dental insurance Vision insurance

Job DescriptionAt Amwins, we succeed together - and have a good time doing it.We know people don't leave companies. They leave cultures - which is why we work so hard on ours. At Amwins, we thrive on collaboration, not cutthroat competition. Our teams work together to help each other succeed, and we do right by our clients so they can do right by theirs.First and foremost, we invest in our employees. That investment shows in everything we do; education and development programs, comprehensive and competitive benefits, and an organizational structure that's 43% owned by employee shareholders. Our commitment to diversity, equity and inclusion helps cultivate an open, welcoming workplace that reflects the communities we serve. You will have the opportunity volunteer within Amwins through a wide range of committees and in your community through the Amwins Foundation and Summer of Service.Working at Amwins means you love what you do, how you do it and, ultimately, who you do it with. Whether it's today or 150 years from now, we continue to invest in our culture and your development so opportunities for growth and career advancement are never in short supply.At Amwins, we win together - and have a good time doing it.Learn more about us at amwins.com.We see you in Amwins blue!Launch Your Sales & Underwriting Career with AmwinsAt Amwins, we're not just developing underwriters - we're building elite sales professionals.Our Underwriter Development Program (UDP) at Amwins Access is a 2.5-year intensive training track designed to fast-track your career as a Production Underwriter - a role that combines strategic sales with technical underwriting. Participants will build strong sales acumen, master underwriting processes, and learn to grow a profitable book of business through relationship-driven selling.If you're entrepreneurial, thrive in a competitive environment, and want a career where your effort drives your income, this is your runway.This position is part of our Underwriter Development Program, scheduled to begin in June 2026. The earliest possible start date is January 2026.Key Responsibilities: Build and manage your own book of business. Drive new revenue through relationship-based sales with retail agents. Get real-world training in sales strategy, negotiation, and market development. Analyze risk and underwrite accounts across Personal Lines Leverage exclusive carrier relationships and state-of-the-art technology Travel to industry events, build your network, and learn from the best in the business. Mentor new hires after completing the program What You'll Gain: Immersive sales and underwriting training Mentorship and career coaching from industry leaders Access to exclusive markets and cutting-edge underwriting tools Real-world exposure through client and carrier interaction What We're Looking For: Recent grads (Bachelor's preferred) with fewer than 3 years of work experience. Competitive, goal-oriented individuals with an interest in sales. Strong communicators who love solving problems and building relationships. What You'll Get: Base salary + performance-based pay - your success is your earning power. Full benefits on day one. Career advancement opportunities in a $30B+ industry. Access to exclusive insurance markets and powerful tech to help you win. At Amwins, we win together - and have a good time doing it. Pursuant to California regulation, the compensation range for this position is as stated and includes eligibility for performance-based bonuses. California Pay Range$70,000-$75,000 USD

The Underwriter is responsible for performing a complete credit assessment review to ensure compliance with appropriate company, agency, and secondary market investor standards to issue a loan decision. The Underwriter must evaluate loans to minimize risk and loss, maximize organizational profit, and clearly communicate a sound credit decision. Responsibilities Review assigned loans and issue a credit decision based on program guidelines and risk evaluation. Validate accuracy of information presented on consumer's loan application. Evaluate documentation to verify authenticity and consistency based on information presented within the consumer's loan application. Request supporting documentation as necessary to satisfy all necessary guidelines and requirements. Investigate applicant credit and employment history, calculate income, evaluate assets, assess consumer's ability to repay, and ensure collateral is supported. Perform due diligence using provided tools, searches, and other methods to identify any discrepancies and minimize risk of misrepresentation or fraud on any given loan. Monitor pipeline of various loan types to ensure loans are reviewed within a timely manner. Review resubmissions and conditions and provide appropriate loan status updates to team members. Provide excellent customer service and communication with both internal and external customers. Respond to status requests, clarifications, and other service-related questions. Ensure use of company's credit and underwriting policies and follow all applicable regulations, policies, procedures, and protocol when making credit decisions. Recognize and escalate issues for second level review to a manager as necessary. Complete final credit approval and sign off, ensuring all documentation within the loan file is satisfactory and in a deliverable state. Review aged or problem loans as needed to assist with difficult loans to ensure they are saleable. Review and respond to post-closing inquiries or errors as needed to resolve issues. Participate in various department meetings and trainings (procedure changes, new programs, etc.). Carry out other tasks as assigned. Knowledge and Skills Required Working knowledge and understanding of agency/industry regulations. Working knowledge of Mortgage Loan Origination and Underwriting processes. Ability to learn and follow company policies, procedures, and Underwriting protocol. Ability to embrace technology and utilize a task-based workflow. Excellent customer service and written/oral communication skills. Excellent work ethic. Credentials and Experience Required Prior Underwriting experience in a traditional retail lending environment, including but not limited to conventional and non-conforming (non-QM loans). Minimum 3-5 years' experience underwriting Non-QM loans. Supervisory Responsibilities, If Any N/A Physical Demands While performing the duties of this job, employee is regularly required to: Sit for extended periods of time Reach with arms and grasp with hands Perform tasks using a computer and peripherals (keyboard, mouse, monitor) Hear, talk, read, and write Vision requirements include: Close vision (computer monitor, paperwork)