[Hiring] Underwriter @Point Digital Finance, Inc.

Role Description

Point is looking for an experienced Home Equity Underwriter to join our US team. In this role, you'll analyze property and financial data to make approval recommendations, send offers to homeowners, and ensure compliance with company guidelines. You'll collaborate with Account Managers, Processors, and Closers to deliver top-tier customer service.

• Review applications and documentation.
• Request needed documents from homeowners through follow-ups.
• Review the title to ensure the correct lien position and collaborate with the processor to ensure a clean title.
• Submit finished dockets to QA for review and send out the final offer after the docket clears QA.
• Provide updates to cross-functional teams (Processors, Closers, Account Managers).
• Effectively manage a pipeline of 60-100 files/dockets.
• Reject dockets that do not meet underwriting guidelines.

Qualifications

• 1 year of experience in loan underwriting, loan processing, consumer lending, customer service, operations, fraud analysis, personal banking, or another analytical role.
• Meticulous attention to detail.
• Deep understanding of (or eagerness to learn) Fannie Mae lending guidelines.
• Strong analytical and problem-solving skills.
• Comfort presenting and defending credit decisions.
• Fluency in Microsoft Office or Google Sheets; ability to use formulas to reduce errors and increase efficiency.
• A desire to deliver a high level of quality customer service.
• Knowledge of common credit underwriting standards, and income and asset evaluation is a plus.
• You are excited about joining a startup tech company, interested in real estate, and/or interested in fintech.

Requirements

• Location Requirement: This is a remote position. However, candidates must reside in one of Point’s states of operation: AL, AR, AZ, CA, CO, CT, DC, FL, GA, IL, KS, KY, MA, MD, ME, MI, MN, MO, NC, NH, NJ, NV, NY, OH, OR, PA, SC, TN, TX, UT, VA, WA, WI.

Benefits

• Generous health benefits: Comprehensive medical, dental, and vision plans with options for flexible spending accounts (FSA) and health savings accounts (HSA).
• Unlimited paid time off: Recharge with unlimited paid time off and 10 company holidays.
• Flexible remote and onsite work: Support for fully remote work and an amazing in-person environment in our downtown Palo Alto, CA HQ.
• Fully paid parental leave: Supplement state Paid Family Leave (PFL) so employees receive 100% of their regular base pay, plus two additional weeks of fully paid leave after state PFL ends.
• Equity: Meaningful equity because we believe in sharing the value you help create.
• Financial wellness: 401K retirement plans, guaranteed life insurance, and short- and long-term disability coverage.
• Extra work/life benefits: Monthly stipends for internet, mobile plans, wellness perks, a one-time home office reimbursement, and company-provided equipment including a MacBook and monitor.