Senior Underwriter (FULL-TIME)

Quontic Bank is a CDFI federally chartered digital community bank. We have a customer‑centric culture built around helping our customers and giving back to local communities. We’re making homeownership simpler, faster, and most importantly, more accessible for all communities across the United States.

Quontic is the adaptive digital bank that empowers its customers financially while embracing their diverse circumstances. Quontic's mission to break the system for financial empowerment stands in the face of big banks and proves there is a better and more equitable way to put the customer first. We focus on truly understanding and serving the underdogs, entrepreneurs, gig‑economy workers, immigrants, and more with a curated banking experience as opposed to a one‑size‑fits‑all banking approach.

Responsible for leading the evaluation and assessment of complex mortgage loan applications, ensuring alignment with company policies, investor guidelines, and regulatory requirements. Serves as a subject matter expert, providing guidance on risk analysis and underwriting best practices.

Thoroughly review and analyze complex loan applications, including borrower creditworthiness, income, assets, and property valuations, applying advanced judgment to mitigate risk.

Make high‑level underwriting decisions on approvals, counteroffers, or denials based on nuanced risk factors and long‑term portfolio impact.

Ensure all underwriting activities adhere to company policies, federal and state regulations, and investor requirements, and proactively identify compliance gaps and recommend improvements.

Act as a resource for junior underwriters and team members by providing training, guidance, and feedback to enhance underwriting quality and consistency.

Anticipate and address challenges in the underwriting process by offering innovative solutions that meet business objectives while managing risk.

Stay informed on market trends, regulatory changes, and new product developments, and contribute to policy updates and process enhancements.

Perform special projects, and additional duties and responsibilities as required.

Bachelor's degree (or equivalent) in finance, business, or similar; OR high school diploma (or equivalent) plus four (4) years of experience in functional area.

Proven skills and experience with mortgage underwriting functions.

Proven experience with Microsoft Office 365 and the following technology: Encompass.

Responsive and customer‑focused with a demonstrated use of professional judgment.

In addition to a fulfilling career, we offer competitive compensation and a comprehensive benefits package that can fuel your financial milestones & keep you well. Full time employees are eligible for:

Health, Dental, Vision, & Life Insurance

Financial Wellness Planning & Coaching

Pet Insurance

Employee Bank Accounts with Quontic

J-18808-Ljbffr Quontic Bank Holdings Corp