Valon · 21 hours ago
Mortgage Lending Underwriter
United States
Full-time
Remote
Senior Level
5+ years expValon is transforming mortgage servicing and consumer direct lending with a technology-first approach. The Mortgage Underwriter will be responsible for underwriting residential loans, ensuring compliance with company and investor guidelines while analyzing borrowers' creditworthiness and maintaining quality control of loan files.
Financial ServicesFinTechReal Estate
Responsibilities
Analyze borrowers' credit, income, assets, collateral, and capacity to ensure creditworthiness
Review complex tax returns and income calculations
Review loans, mentor, and train new hires
Maintain a working knowledge of secondary market underwriting guidelines, private investor, and private mortgage insurance guidelines
Review new loans and clear conditions on resubmissions within SLA
Respond to audits and perform quality control reviews on mortgage files
Maintain a focus on enhancing customer service skills and knowledge
Ensure KPIs are met as set forth by the underwriting manager
Maintain the quality and data integrity of all loan files
Able to comply with the policies and procedures outlined in the Company Handbook
Ability to multitask in a high-volume environment
Continuous focus on the customer experience
Ability to work independently
Strong attention to detail and effective problem-solving skills
Other duties as assigned
Qualification
Required
5+ years of conventional mortgage underwriting experience
3+ years of FHA DE underwriting experience (TOTAL Scorecard and Manual)
3+ years of using Encompass LOS (ICE Technology/EllieMae)
Deep knowledge of Fannie Mae/DU, Freddie Mac/LPA, and FHA guidelines and automated underwriting systems
Ability to critically examine credit, income, assets, title, and appraisals for adherence to company, investor, and GSE underwriting guidelines
Understanding of relevant mortgage industry federal regulation, including RESPA, TILA, ECOA, TRID, CFPB, etc
Minimum education requirement: High school diploma or GED equivalent required
Preferred
10+ years of mortgage underwriting experience
5+ years of FHA DE experience
Bachelor's degree or equivalent work experience
Strong communicator with excellent writing skills
High integrity with strong ethical values
Team player with the ability to work effectively with a variety of team members
Benefits
Competitive salary and 401 (k) plan
Comprehensive medical, dental, & vision benefits
In-office snacks and drinks, and Bagel Fridays
Pre-tax deductions for public transportation, rideshare services, and parking expenses
Company-wide orientation for you to successfully onboard and other learning & development opportunities, including regular review cycles that feature 360-degree feedback
17 days paid time off, sick days, and 11 company holidays
12 weeks off for both birthing and non-birthing parents - fully paid
Company
Valon
Valon is building the AI-native operating system for regulated finance.
201-500 employees
Funding
Current Stage
Growth StageTotal Funding
$197.1MKey Investors
WestCapAndreessen Horowitz
2024-10-23Series C· $100M
2021-11-03Series B· $43.9M
2021-02-02Series A· $50M
Leadership Team
Andrew Wang
CEO/Co-founder
Jonathan Hsu
Co-Founder
Recent News
2025-04-03
2025-03-20
Company data provided by crunchbase