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Underwriter
@Zippymh
[Hiring] Underwriter @Zippymh
Apr 01, 2025 - Zippymh is hiring a remote Underwriter. 💸 Salary: competitive salary with potential bonuses. 📍Location: USA.
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Role Description
We are seeking a skilled and detail-oriented Loan Underwriter to join our lending team specializing in manufactured housing chattel loans. As an Underwriter, you will play a pivotal role in evaluating loan applications and assessing the creditworthiness of borrowers seeking financing for manufactured homes. Your expertise in analyzing financial documents, assessing risk, and ensuring regulatory compliance will drive informed lending decisions that support our mission to expand affordable housing opportunities. This position offers a chance to contribute meaningfully to our organization's growth while helping individuals achieve their homeownership dreams.
- Review loan applications and supporting documentation for manufactured housing loans, including income verification, credit reports, and property valuations.
- Assess the creditworthiness of borrowers by analyzing financial statements, tax returns, employment history, and other relevant information.
- Evaluate debt-to-income ratios and other key financial indicators to determine loan feasibility.
- Ensure compliance with lending regulations, internal policies, and underwriting guidelines.
- Collaborate with loan officers, processors, and other team members to gather necessary information and address any application deficiencies or documentation gaps.
- Conduct thorough risk assessments to identify potential red flags or fraudulent activities.
- Prepare loan underwriting summaries, including recommended loan structures, risk mitigation strategies, and rationales for decision-making.
- Communicate lending decisions and provide clear explanations to loan officers, processors, and other stakeholders.
- Stay updated on industry best practices, regulatory changes, and market trends related to manufactured housing financing.
Qualifications
- Proven experience as a Loan Underwriter or in a similar role, with expertise in manufactured housing loans preferred.
- Deep understanding of underwriting guidelines, lending regulations, and compliance requirements specific to manufactured housing.
- Proficiency in analyzing financial documents, including credit reports, tax returns, and income statements.
- Familiarity with loan origination systems, mortgage underwriting software, and document management tools.
- Meticulous attention to detail and the ability to accurately review and interpret complex loan documents.
- Strong analytical skills for evaluating creditworthiness and risk.
- Excellent verbal and written communication skills for clear decision-making explanations and stakeholder interactions.
- Ability to work independently, manage priorities effectively, and meet deadlines in a fast-paced environment.
- High ethical standards with a commitment to confidentiality and data privacy.
- Located in or around Dallas, TX.
Requirements
- Currently only hiring candidates who reside in the following states: Arizona, Connecticut, Florida, Georgia, Illinois, Indiana, Louisiana, Maryland, Michigan, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, and Washington.
Benefits
- Competitive salary with the potential for annual bonuses and variable pay, depending on your skills and experience.
- All employees receive equity in the company, allowing you to share in the growth and achievements of Zippy.
- Enjoy the flexibility of working from home in a dynamic, remote-first environment.
- Comprehensive health coverage including medical, dental, and vision insurance, along with company-subsidized benefits like STD, LTD, and life insurance for you and your family.
- Take advantage of medical & dependent care FSAs to help manage your expenses.
- We invest in your professional growth with resources for training and licensing.
- Generous PTO—and we encourage you to use it!
- Access a variety of wellbeing resources through our Sequoia Wellbeing Programs.
- Paid parental leave to support you and your growing family.
- Enjoy a mid-week break from meetings to focus and recharge.
- Engage with colleagues in our lively remote Slack community.
- Opportunities to grow your career with us.
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| 📍 | Be aware of the location restriction for this remote position: USA |
| ‼ | Beware of scams! When applying for jobs, you should NEVER have to pay anything. Learn more. |
Back to Remote jobs >
All others
All others
|
Salary
💸
competitive salary with potential bonuses
|
Remote
Location
USA
|
|
Job Type
full-time
|
Posted
Apr 01, 2025
|
️
| 📍 | Be aware of the location restriction for this remote position: USA |
| ‼ | Beware of scams! When applying for jobs, you should NEVER have to pay anything. Learn more. |
