Plaza Home Mortgage, Inc. ยท 2 days ago
Junior Non-QM Underwriter
San Diego, CA
Full-time
Onsite
Entry Level
$31.73/hr - $38.46/hr
2+ years expPlaza Home Mortgage, Inc. is a privately owned, full-service national lender specializing in various residential mortgage products. The Junior Non-QM Underwriter supports the Non-QM Underwriting Team by performing pre-underwrite file scrubs, organizing documentation, and assisting with underwriting preparation tasks to ensure a smooth underwriting process.
Financial ServicesInsuranceMortgageReal Estate
Responsibilities
Perform detailed pre-underwrite file scrubs to ensure all required documents are accurate, complete, and properly indexed for underwriting review
Communicate with Account Executives (AEs), Client Service Representatives (CSRs), and clients to obtain missing or clarifying documentation as directed
Review and organize underwriting conditions to verify documentation matches the condition, removing duplicates and ensuring alignment prior to UW review
Order appraisal-related conditions and monitor receipt, corrections, or reissues on behalf of Underwriters
Work the Change of Circumstance (COC) Task Queue to review and process requests in accordance with Plaza policies
Assist the Underwriting Support Team with exception requests by identifying missing items, uploading documentation, and completing administrative steps for exception tracking
Assist Underwriters with managing high email volume by responding to messages forwarded from Underwriters for urgent or time-sensitive items, researching file details, and coordinating with internal partners as needed
Assist in clearing minor conditions on loan files when an assigned Underwriter is out of the office to ensure timely file movement
Run quality control tools (e.g., FraudGuard, EarlyCheck) and update system records to ensure data integrity
Complete required pre-closing or pipeline checklists and maintain a paperless file environment consistent with Plaza standards
Support special projects, reporting, or other tasks as directed by the Team Lead or Manager
Additional duties as assigned
Qualification
Required
High school diploma or equivalent required; college degree preferred
Minimum of 2 years of mortgage experience, with exposure to underwriting or loan file review preferred
Strong knowledge of Non-QM documentation including bank statements, self-employment, and asset-utilization programs
Exceptional attention to detail and organizational skills with the ability to prioritize multiple tasks and deadlines
Effective written and verbal communication; able to collaborate with Underwriters, Sales, and Operations teams
Proficiency in Microsoft Office (Word, Excel, Outlook) and familiarity with LOS and paperless imaging systems
Ability to analyze documentation, identify discrepancies, and ensure compliance with investor and internal guidelines
Demonstrated initiative, reliability, and commitment to supporting team goals in a fast-paced environment
Preferred
college degree preferred
exposure to underwriting or loan file review preferred
Benefits
Medical/dental/vision
Paid time off and holidays
401(k)
Life and pet insurance
Employee friends and family loan
Employee assistance program that includes a variety of discounted services
Company
Plaza Home Mortgage, Inc.
Plaza Home Mortgage, Inc. is a company providing Wholesale Lending, Correspondent Lending, Mini Correspondent, and Reverse Mortgages
501-1000 employees
Funding
Current Stage
Late StageLeadership Team
Kevin Parra
Co-founder CEO and President
James A. Cutri
EVP
Recent News
Mortgage News Daily
2023-12-24
Mortgage Professional America
2023-12-24
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