Tri Pointe Homes · 1 month ago
Credit Risk Underwriting Specialist
Scottsdale, AZ
Full-time
Hybrid
Senior Level
5+ years expTri Pointe Homes is a forward-thinking company redefining the homebuying journey through its financial services affiliate, Tri Pointe Solutions. They are seeking a Credit Risk Underwriting Specialist to contribute to loan-level underwriting reviews and ensure compliance across various loan products.
Home ImprovementReal EstateReal Estate Investment
No H1B
Responsibilities
Conduct in-depth audits and re-underwrites across Conventional, Government, Jumbo, and Non-QM loans to ensure compliance with agency, investor, and internal Tri Pointe Connect guidelines
Recalculate income using agency/investor methodologies, including complex self-employed income, rental income, K-1 analysis, and layered-risk borrower assessment
Validate AUS findings (DU/LPA) and confirm data alignment between LOS, AUS, and documentation
Perform second-level underwriting reviews for new underwriters seeking initial lending authority, validating accuracy, guideline comprehension, and risk assessment
Conduct second-level reviews for existing underwriters seeking expanded authority in additional products such as FHA, VA, and/or Jumbo
Document findings, recommend approval of lending authority, and provide coaching feedback where skill gaps are identified
Maintain calibration standards to ensure lending authority aligns with Tri Pointe Connect’s credit-risk expectations and investor requirements
Audit and evaluate the work of domestic and offshore third-party QC vendors, including pre-funding, post-closing, and targeted audit activities
Confirm that QC vendor findings are accurate, consistent, and aligned with agency/investor requirements and internal credit standards
Maintain vendor performance logs, participate in calibration calls, and support scorecard development
Identify and escalate repurchase exposure, defect trends, risk indicators, data inconsistencies, and misrepresentation concerns to the Director of Credit Risk
Support development of internal credit policies, audit matrices, income guides, scorecards, and calibration frameworks
Contribute to executive-level reporting, trend dashboards, defect analytics, and quality insights
Qualification
Required
Bachelors degree in Business, Finance or a related field, or equivalent industry experience
5+ years of recent credit risk audit and/or mortgage underwriting experience across Conventional, Government (FHA/VA), Jumbo, and Non-QM products
Strong understanding of agency guidelines, investor overlays, regulatory compliance, manual underwriting logic, and ATR/QM requirements for non-agency products
Advanced skills in tax-return analysis, self-employment income reconstruction, and rental income evaluation
Strong communication and audit documentation skills (written and verbal), with the ability to articulate nuanced credit-risk concerns clearly
Demonstrated ability to explain discretionary decisions and findings when reviewing loans for audit
Detail-oriented with a strong focus on accuracy
Demonstrates the ability to perform effectively under strict deadlines in a dynamic environment
Preferred
Government underwriting designations (DE, VA Automatic), SAR preferred
Expertise in loan origination systems, Encompass preferred
Company
Tri Pointe Homes
TRI Pointe Homes. Our company’s core values of quality, integrity and excellence are the driving force behind innovative designs that It is a sub-organization of Tri Pointe Group.
1001-5000 employees
Funding
Current Stage
Late StageLeadership Team
L
Linda Mamet
Executive Vice President & Chief Marketing Officer
Robert Norton
Division President
Recent News
2025-11-14
2025-11-10
2025-11-04
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