The Adaptive Digital Bank. Member FDIC. Equal Housing Lender. www.Quontic.com | www.quontic.com/privacy-statement
Senior Underwriter
Location
Arizona
Posted
3 days ago
Salary
$99K - $126K / year
Seniority
Senior
Job Description
Senior Underwriter
Quontic
• 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. • Communicate effectively with loan officers, processors, and management to resolve complex issues, negotiate conditions, and maintain transparency throughout the loan process. • 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.
Job Requirements
- Bachelor's degree (or equivalent) in finance, business, or similar; OR associate degree and two (2) years of experience in functional area; OR high school diploma (or equivalent) plus four (4) years of experience in functional area.
- Additional three (3) years+ of progressive experience in functional area.
- Proven skills and experience with mortgage underwriting functions.
- Advanced understanding of multiple loan products.
- Proven experience with Microsoft Office 365 and the following technology: Encompass.
- Willingness to pursue continuing education, certifications, etc. as applicable to advancing in the organization.
- Analytical and problem-solving skills.
- Interpersonal and communication skills with the ability to speak confidently.
- An ability to thrive in a fast-paced environment where priorities change daily, and where employees wear many hats.
- Detail-oriented with the ability to think "outside the box" and prioritize tasks and decisions in a timely manner.
- Self-directed, yet effective working as part of a collaborative team.
- Responsive and customer-focused with a demonstrated use of professional judgment.
Benefits
- Health, Dental, Vision, & Life Insurance
- Financial Wellness Planning & Coaching
- Counseling Support Services & Resources
- Paid Parental Leave
- Pet Insurance
- 401K Match
- Employee Bank Accounts with Quontic
- Generous Paid Time Off
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