Underwriter

About the Organization Temple View Capital (TVC) is an established, fast‑growing direct private money lender in the residential mortgage industry. We are growing nationwide and committed to the development and advancement of our employees in the company and industry. Temple View is a nationwide direct private lender that offers loans direct to borrowers but also white‑labels our products to other companies. Description We seek an Underwriter with a demonstrated track record of reviewing, analyzing, and decisioning BPL mortgage loan files to join our existing underwriting team. In this role, the Underwriter joins the front line for our deal assessment and risk analysis—including but not limited to: credit assessment, borrower entity compliance, guarantor experience verification, data validation, and collateral analysis. TVC offers specialized programs for real estate investor clients requiring an understanding of multiple program guidelines. The Underwriter must be able to keenly understand and reference guideline differences and apply appropriate guidelines to individual clients and loans. If you possess exceptional attention to detail, the ability to make sound and independent decisions, and the ability to self‑manage a personal pipeline, we want you on our team. You should have specific knowledge of the principal approaches to underwriting; ideal candidates will have direct experience in the business purpose loan sector. You will work as part of a highly curated team responsible for development and maintenance of TVC’s underwriting infrastructure and collaborating with Temple View Capital’s Credit Risk, Valuations, Rehab/Construction, Legal, Sales/Processing, and Closing Departments. Responsibilities / Essential Job Duties Evaluate/underwrite individual BPL mortgage loan files for qualification against various product guidelines Support a quality borrower/client experience using business history, appraisals, credit reports, asset statements, entity documentation and title documents, to accurately and quickly decision files Work closely with our processing team to review and clear all underwriting conditions to obtain a clear to close Push a daily pipeline of working files through origination milestones to completion Act as a resource of underwriting expertise to support our other TVC departments, particularly Sales, Processing, and Valuations teams Develop a strong working knowledge of all TVC loan programs and guidelines Assess LTVs and other relevant ratios as they relate to deal analysis Perform common sense research related to collateral value, client performance history, or other atypical scenarios as they arise Collaborate with all of TVC’s team members as needed to make sound business decisions for every client Perform other duties as assigned to contribute to a best‑in‑class client experience Competencies / Skills Ability to meet established productivity standards while maintaining high quality file reviews Multi‑tasking proficiency to manage immediate tasks along with a pipeline of various file types Excellent organization and computer skills, strong working knowledge of MS Office (particularly Excel) Excellent written and oral communication skills and ability to work efficiently and collaboratively with other departments Motivated and organized self‑starter with strong attention to detail Ability to exercise sound, independent judgement, reliable, and strong team player Comfortable working under pressure to balance production timelines with individual client needs Education and Experience Bachelor’s degree preferred; will also consider candidates with exceptional BPL mortgage experience Two to five years’ experience as a residential mortgage underwriter preferred, but not required; may be offset by education and applicable training and experience Knowledge of mortgage underwriting concepts, best practices, and procedures Benefits Salary: $80,000 – $90,000 pending experience, qualifications, and location Discretionary annual bonus 401(k) with matching Health insurance Dental insurance Vision insurance Life insurance Disability insurance Flexible schedule Paid time off Work Location Bethesda, MD or hybrid (2‑3 days a week in the office) Schedule Full time Monday to Friday 9AM – 6PM EEO Statement We are an equal employment opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, national origin, disability status, protected veteran status or any other characteristic protected by law. This position is currently accepting applications. #J-18808-Ljbffr