Offer summary

Qualifications:

4+ years of mortgage underwriting experience, particularly with credit entities and non-individual borrowers., Deep understanding of business structures such as LLCs, corporations, partnerships, and trusts., Strong analytical skills for evaluating business and personal financials, with familiarity in Non-QM products preferred., Excellent communication skills to articulate complex underwriting decisions clearly..

Key responsibilities:

Underwrite loans for various credit entities and assess their creditworthiness through financial analysis.

Collaborate with account managers and internal teams to gather documentation and resolve underwriting issues.

Ensure compliance with guidelines related to entity documentation and risk management.

Provide training and guidance to peers on entity evaluation and maintain attention to detail in a fast-paced environment.

Job description

Description

• Underwrite loans involving credit entities such as LLCs, corporations, partnerships, and trusts.
• Analyze business financial statements, tax returns, operating agreements, and other legal entity documents to determine creditworthiness.
• Evaluate the financial strength and structure of borrowing entities, guarantors, and their capacity to repay.
• Work closely with account managers, processors, and closers to gather documentation and resolve underwriting issues.
• Ensure loans meet all applicable guidelines, including those related to beneficial ownership, entity documentation, and risk layering.
• Identify and mitigate potential fraud or compliance issues related to entity structures.
• Collaborate with internal teams to streamline the credit entity review process and improve operational efficiency.
• Stay updated on evolving regulations, investor guidelines, and best practices related to non-individual borrowers.
• Provide guidance and training to underwriting peers on entity evaluation and documentation review.
• Maintain strong attention to detail while working in a high-volume, fast-paced environment.

Requirements

• 4+ years of mortgage underwriting experience, including significant exposure to credit entities and non-individual borrower types.
• Deep understanding of business structures (LLC, Corp, LP, Trusts) and related documentation requirements.
• Experience underwriting Non-QM products such as DSCR, P&L, and Bank Statement loans preferred.
• Strong analytical skills and experience evaluating business and personal financials.
• Familiarity with loan origination systems like Meridian Link, Lending QB, or similar.
• Excellent written and verbal communication skills, with the ability to explain complex underwriting decisions.
• Proven ability to manage multiple priorities and deliver results under tight deadlines.
• Strong compliance mindset with attention to detail and a commitment to high-quality work.
• Ability to work independently and collaboratively within a dynamic underwriting team.

Required profile