Mortgage Loan Underwriter

Mortgage Loan UnderwriterAs a Mortgage Underwriter, you'll impact the lives of everyday people and help them go from surviving to thriving with innovative digital personal finance solutions. The Mortgage (HELOC) Underwriter is responsible for calculating income, reviewing all third-party vendor services to include AVM, fraud, & Credit Supplements, etc. and the review, conditioning, and final decisioning of the loan product.This role will partner closely with the client, sales, and mortgage operations teams to ensure an optimal customer experience as they collaborate with Mortgage Advisors to secure desired loan financing. In this role, you will have responsibility to keep abreast of underwriting guidelines specific to home loans, and to industry changes that could affect the loan outcome. They will ensure all applications are reviewed with the highest level of attention paid to the quality of the underwrite itself.This is a hybrid role with 90% of your time spent working from home, 1-3 days in our Tempe office each month. Candidates must reside in the greater Phoenix area.What you'll do:Evaluate loan applications and borrowers' creditworthinessAdhere to departmental SLAsMonitor Regulation B compliance and ensures all underwriting decisions are made within applicable SLAsVerifies income and employment information, reviews credit history, and calculates the value of borrowers' collateral/assetsAnalyzes personal and business, (Corporate, S Corporation, and Partnership), income tax returns and prepares Self-Employed Analysis for Mortgage qualificationReviews all appraisals, (I.e., AVM, PICR, 1004, 1025), to confirm they meet the standards for the loan type requested and support the market value conclusionContacts 3rd party vendors, as necessary, to resolve conflicting information or appraisal issuesFollows underwriting proceduresApproves/Denies loan requests based on Home Loan underwriting guidelines and investor criteriaDocuments reasons for approval or denial and completes adverse action notices, when applicableAnswers audit issues on purchases or pre-purchased loansWhat you'll bring:Minimum of 3-5 years (UW II) or more than 5 years (UW III) of Underwriting experience in home loans, including 1st mortgage products, HELOCs, etc.Results-oriented, entrepreneurial individual – must be adaptable in a start-up environmentExperience with self-employment verificationDemonstrated skills in the area of income calculation and credit reviewExcellent communication skillsAbility to meet deadlines and achieve goalsAbility to work with cross-functional teams toward the delivery of goals and objectivesAbility to multi-task at a high levelAbility to work independently, as well as in a team environmentAbility to work in a fast paced, high volume mortgage environmentSeeks feedback and accepts coaching with a continual desire to get betterAchieve well-being with:Hybrid and remote work opportunities401 (k) with employer matchMedical, dental, and vision with HSA and FSA optionsCompetitive vacation and sick time off, as well as dedicated volunteer daysAccess to wellness support through Employee Assistance Program, Talkspace, and fitness discountsUp to $5,250 paid back to you on eligible education expensesPet care discounts for your furry family membersFinancial support in times of hardship with our Achieve Care FundA safe place to connect and a commitment to diversity and inclusion through our six employee resource groupsJoin Achieve, change the future. At Achieve, we're changing millions of lives. From the single parent trying to catch up on bills to the entrepreneur needing a loan for the next phase of growth, you'll get to be a part of their journey to a better financial future. We're proud to have over 3,000 employees in mostly hybrid and 100% remote roles across the United States with hubs in Arizona, California, and Texas. We are strategically growing our teams with more remote, work-from-home opportunities every day to better serve our members. A career at Achieve is more than a job—it's a place where you can make a true impact, have a sense of belonging, establish a fulfilling career, and put your well-being first.