WHO YOU ARE...
- Ability to analyze complex transactions and identify errors
- Strong attention to detail
- Ability to properly calculate income across a variety of earning types from wage earners to business/self-employed income.
- Strong appraisal review skills
- Excellent analytical & communication skills
- Strong ability to perform reviews for a wide range of investors
- Ability to read and apply investors guidelines to loan reviews.
- Proficiency in pipeline management with ability to multitask in a high-volume environment
- Ability to contribute and work in a team environment
- Ability to work independently
WHAT YOU’LL BE DOING…
- Review Mortgage loan files to ensure accuracy of information and verify presence of all required documents.
- Performing due diligence review of the residential mortgage loan application and documentation as submitted to ensure loans meet specific investor/product guidelines and AUS requirements as applicable.
- Analyze borrower’s credit profile, compliance, collateral, and capacity to repay the proposed mortgage obligation including accurately calculating income and ensuring the borrower’s ability to repay
- Properly calculate and analyze loan-to-value ratios, and debt carried.
- Analyze purchase contracts, title commitments, and other loan pertinent documentation.
- Enter review results into company’s proprietary software
- Executing risk analysis and make decisions regarding deficiencies identified during the review process and recommend resolution to deficiency
- Stay current on all agency, state, and multiple investor guidelines
- Participate in on-going training as industry evolves
- Manage time efficiently and prioritize workloads to meet the minimum daily production goals plus clearing QA feedback and perform within department audit standards.
- Adhere to the company's “Core Values”
- Other duties as assigned by manager
IDEALLY, YOU’LL HAVE...
- 5+ years current experience in underwriting, preferably with prior experience in Quality Control.
- Minimum 1-year Due Diligence experience at a mortgage lending institution.
- Familiarity with best practices for post-close quality control on newly and seasoned originated mortgages
- Strong knowledge of Fannie Mae/Freddie Mac guidelines, QM/ATR
- Proficiency in Non-QM Loan processes and requirements.
- Ability to work with multiple investor guidelines and overlays
- Deep understanding of DSCR/business purposes loans.
WHAT WE OFFER YOU
An opportunity to be a key part of an agile team of thinkers and doers collaborating to change a multi-trillion-dollar industry. We offer meaningful equity at a growth-stage company, a competitive salary, top-tier medical, dental, and vision insurance, and flexible work hours and vacation time. Here are our awesome benefits in black
and white:
- Competitive pay and meaningful equity as an employee at a fast-growing, venture-backed company. We want you to participate and make decisions as an owner with our future in mind
- Employee-centric environment - initiatives in place to create an environment of belonging and inclusion and career path plans based on achievable goals and not tenure or nepotism.
- A 401(k) and top-tier insurance plans to select from along with a FSA and HSA where you can set aside pre-tax money for out-of-pocket expenses
- Flexible time off plus all 11 major holidays and 2 floating holidays for your birthday,
religious holiday or other special day of your choice - Two volunteer days - paid days off to volunteer each year at the charity of your choosing
OUR APPLICATION PROCESS
At Maxwell, we value our differences, and we encourage all—especially those whose identities are traditionally underrepresented in tech organizations—to apply. Maxwell is an equal-opportunity employer. We do not discriminate on the basis of race, religion, color, gender expression or identity, sexual orientation, national origin, citizenship, age, marital status, veteran status, disability status, or any other characteristic protected by
law. If you require further accommodations or have questions regarding the accessibility of our roles, please reach out to peopleops@himaxwell.com. All employment decisions at Maxwell are based on a person's merit, business needs, and role requirements. At Maxwell, we're looking for candidates with great experience and alignment with our core values. This is a full-time, salaried role based in Denver, CO.
While we appreciate the interest, we are not accepting opportunities from contingency staffing agencies.