Consumer & Real Estate Lending Underwriter

Job Summary
We are seeking a dynamic and detail-oriented Consumer & Real Estate Lending Underwriter to join our financial services team. In this pivotal role, you will evaluate and authorize loan applications for consumer and real estate lending, ensuring thorough risk assessment and compliance with lending policies. Your expertise will help facilitate responsible lending decisions, support portfolio growth, and contribute to the overall financial health of our organization. This position offers an exciting opportunity to apply your analytical skills in a fast-paced environment dedicated to delivering exceptional financial solutions.

Duties

• Analyze loan applications by collecting and reviewing relevant financial data, including income statements, credit reports, and property valuations.
• Conduct comprehensive risk analysis
• Evaluate borrower creditworthiness through detailed credit analysis, considering factors like debt-to-income ratios, repayment capacity, and overall financial stability.
• Prepare detailed underwriting reports that clearly communicate findings, risk levels, and lending recommendations.
• Collaborate with loan officers and clients to negotiate terms that balance risk mitigation with customer satisfaction.
• Utilize advanced financial software tools for data collection, loan processing, and portfolio management to streamline workflows.
• Ensure compliance with regulatory requirements and internal policies related to mortgage servicing, fraud prevention, and loan origination procedures.

Requirements

• Proven experience in underwriting within financial services, mortgage lending, or banking environments.
• Strong knowledge of financial analysis techniques including cash flow forecasting, quantitative research, and technical accounting principles.
• Proficiency in financial software applications used for loan processing and portfolio management.
• Excellent understanding of credit analysis methods and risk assessment strategies.
• Solid grasp of mortgage servicing processes, fraud detection practices, and tax-related financial concepts.
• Demonstrated ability to perform quantitative analysis with precision and accuracy under tight deadlines.
• Exceptional math skills coupled with strong financial acumen to interpret complex data sets effectively.
• Effective negotiation skills to facilitate mutually beneficial lending agreements while managing risk exposure.
• Ability to communicate complex financial information clearly through written reports and verbal presentations. Join us in shaping responsible lending practices by leveraging your expertise in finance, risk analysis, and customer engagement! We’re committed to fostering a vibrant work environment where your skills can thrive while contributing meaningfully to our organization’s success.

Pay: $24.00 - $28.00 per hour

Benefits:

• Dental insurance
• Employee discount
• Health insurance
• Paid time off
• Retirement plan
• Vision insurance

Work Location: Hybrid remote in Arcata, CA 95521