Careers

Job Description

We are seeking a detail-oriented and analytical Mortgage Underwriter to join our lending team. The Mortgage Underwriter will be responsible for evaluating mortgage loan applications, verifying financials, and making credit decisions aligned with company, investor, and regulatory requirements. This role requires strong judgment, risk assessment skills, and the ability to make and communicate sound lending decisions in a timely manner.

Responsibilities

• Underwrite Non-QM and Agency loans, ensuring loans are compliant with company and investor guidelines, established loan policies, secondary market investor standards, and regulatory requirements.
• Manage individual pipeline daily and maintain high productivity by completing new underwriting reviews, condition reviews, and other underwriting tasks within established turn times.
• Review and analyze borrower applications, credit reports, title reports, income documentation and assets, appraisals, and complex business returns and financials to ensure creditworthiness.
• Verify the accuracy and integrity of documentation to prevent fraud.
• Communicate clearly and work collaboratively with Account Managers, Processors, Sales, and Closing to provide updates, clarify outstanding conditions and deficiencies identified on loans, and assist in interpreting underwriting guidelines.
• Conduct appraisal analysis to determine acceptable collateral standards are met.
• Keep up to date with all guideline changes and system enhancements.
• Perform other related duties and projects as assigned.

Qualifications

• Bachelor's degree in finance, business, economics, or a related field preferred.
• 2+ years of mortgage underwriting experience, including Non-QM, conventional, FHA, VA, or USDA.
• DE/SAR/LAPP certifications preferred, if applicable.
• Strong knowledge of mortgage lending guidelines, federal and state regulations, and compliance requirements.
• Excellent analytical, problem-solving, and decision-making skills.
• Strong attention to detail with the ability to manage multiple files and deadlines.
• Effective written and verbal communication skills.
• Ability to work independently with minimal supervision while also being a strong team player willing to provide support when needed.
• Proficiency in loan origination systems, BytePro preferred, and automated underwriting systems such as DU/LP.

Benefits

• Health Insurance: medical, dental, and vision
• Flexible Spending Account
• Life Insurance: Basic and AD&D
• 401(k) Retirement Plan
• Paid time off
• Paid holidays

Job Type: Full-time

Work Location: In-person in Cypress, CA 90630

Pay: $43 - $55 per hour

This role requires a dynamic individual who thrives in a fast-paced environment while fostering teamwork and innovation.

LenderMac LLC is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for all employees.

Job Description

We are seeking a results-driven Mortgage Loan Closer to join our lending operations team. This position is based in Georgia and will primarily handle mortgage loan closings in various wet-funding states nationwide. While the primary focus will be wet-funding states, the Closer will also handle dry-funding state closings as business needs require.

This position is responsible for preparing, reviewing, and finalizing mortgage loan closing packages and coordinating the closing and funding process. The ideal candidate has hands-on experience with wet-state closings and understands the time-sensitive requirements for coordinating document execution and the disbursement of loan proceeds.

The Closer will work closely with internal departments, title companies, escrow officers, and settlement agents to ensure loan closings are accurate, compliant with applicable requirements, and funded in a timely manner while providing excellent service to borrowers and business partners.

Responsibilities

• Review loan files to confirm all underwriting, closing, and funding conditions have been satisfied prior to closing and funding.
• Prepare and generate closing documents, including Closing Disclosures (CDs), promissory notes, trust deeds, and other required legal documents in accordance with federal, state, and investor guidelines.
• Coordinate closing schedules with title companies, escrow officers, and settlement agents to ensure timely execution of loan documents.
• Balance final closing figures with settlement agents and verify the accuracy of loan amounts, fees, payoffs, and wire instructions.
• Coordinate wet-funding requirements, ensuring executed closing documents and applicable funding conditions are received and reviewed in accordance with company procedures.
• Coordinate funding for both wet and dry funding states, following applicable state requirements, investor guidelines, and company funding procedures.
• Authorize and release wire transfers to settlement agents in accordance with established funding procedures and authorization requirements.
• Review executed closing packages for accuracy and completeness and promptly resolve any discrepancies or documentation issues.
• Monitor closing and funding timelines and proactively address issues that could delay loan closing or disbursement of funds.
• Maintain knowledge of applicable state-specific wet-funding and dry funding requirements, federal regulations, and investor guidelines.
• Provide responsive and professional service to internal and external partners by addressing closing and funding inquiries.
• Track outstanding post-closing documentation to ensure loan files are complete and ready for investor delivery.
• Perform other related duties as assigned.

Qualifications

• Minimum of 2 years of mortgage loan closing and/or funding experience, with hands-on experience in wet-funding states.
• Experience with conventional, FHA, VA, and/or USDA loan programs preferred.
• Strong knowledge of mortgage closing documents, wet-funding procedures, and applicable regulatory requirements, including TRID, RESPA, and state-specific regulations.
• Experience balancing closing figures, reviewing executed loan documents, and coordinating wire disbursements.
• Exceptional attention to detail and accuracy when handling financial information and legal documents.
• Strong organizational skills and ability to manage multiple priorities and meet tight closing deadlines.
• Excellent communication, problem-solving, and follow-up skills when working with loan officers, processors, title companies, and settlement agents.
• Ability to work independently and collaboratively in a fast-paced lending environment.
• Proficiency in loan origination systems (LOS) and closing document preparation software.

Benefits

• Health Insurance (Medical, Dental, & Vision)
• Life Insurance (Basic Life and AD&D)
• Flexible Spending Account
• 401(k) Retirement Plan
• Paid time off
• Paid holidays

Job Type: Full-time

Work Location: Duluth, GA 30096

Work Arrangement: Hybrid role

Pay: $23.00–$28.00 per hour (DOE)

Equal Employment Opportunity

LenderMac LLC is an equal opportunity employer and makes employment decisions in accordance with applicable federal, state, and local laws. Reasonable accommodation will be provided to qualified individuals with disabilities as required by applicable law.