Lower · 2 weeks ago
File Credit Reviewer
Columbus, OH (N High St)
Full-time
Hybrid
New Grad, Entry LevelLower is a mission-driven fintech company that simplifies the home-buying process through technology and customer experience. They are seeking a File Credit Reviewer to support the loan manufacturing process by completing initial quality reviews of loan files, organizing documentation, and identifying potential credit concerns.
FinanceFinancial ServicesFinTechLending
Responsibilities
Complete a targeted initial review of 10 new loan files per day (or volume-based expectations as assigned)
Review the loan application (URLA/1003) and supporting documents for completeness, accuracy, and alignment with Automated Underwriting System (AUS) findings and/or Underwriting guidance
Organize and index documentation in the company’s imaging/file management system, ensuring documents are properly categorized and labeled
Identify missing documentation and discrepancies that could delay conditional approval (e.g., unlisted Real Estate Owned, undisclosed properties, inconsistencies between income docs and the 1003)
Flag potential qualifying or guideline concerns for Processor/UW awareness (e.g., seasoning requirements for cash-out eligibility, ownership/title concerns when evident in documentation)
Order, process, and review third-party reports and verifications as required, which may include: IRS tax transcript requests (as applicable), Title work / title commitment, Verification of Employment (VOE) and other employment/income validation services, Homeowner’s insurance policy and evidence of coverage, Flood certification, USPS address validation (as applicable)
Monitor pipeline/reporting daily to ensure third-party orders are received timely; follow up at least every 24 hours on outstanding items or sooner based on closing priorities
Confirm applicable county Anti-Predatory Lending Certificate requirements are satisfied within required timeframes, escalating exceptions as needed
Request and obtain condominium documentation required to support condo eligibility/warranty review, when applicable
When a loan is identified as eligible for AI underwriting workflow, initiate and process the AI UW submission to generate a conditional approval package, per internal guidelines
Perform follow-ups on suspended/paused reviews within 24 hours, documenting actions taken and next steps clearly in the file notes/system
Qualification
Required
High School Diploma or equivalent
Strong attention to detail with ability to cross-reference documentation to the loan application and AUS findings
Ability to prioritize and reprioritize work in a fast-paced pipeline environment
Professional communication skills (written and verbal), particularly with internal Sales and Operations partners
Sound judgment, accountability, and ability to handle confidential borrower information in accordance with company policy and applicable privacy requirements
Reliable attendance, punctuality, professionalism, and commitment to internal customer service
Preferred
Prior mortgage file intake/loan opening experience
Familiarity with the URLA/1003, mortgage documentation (income/asset/credit/housing), and basic AUS concepts (e.g., DU/LP findings)
Experience working in a loan origination system and/or document imaging platform
Company
Lower
Lower provides home refinancing, customer service, consumer lending, home purchase, and financial services.
Founded in 2014
501-1000 employees
Funding
Current Stage
Late StageTotal Funding
$100MKey Investors
Accel
2021-06-23Series A· $100M
Leadership Team
Dan Snyder
Chief Executive Officer
R
Robert Tyson
Co-Founder
Recent News
2026-01-18
2026-01-16
2026-01-16
Company data provided by crunchbase