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Company

Zippy · 4 days ago

Underwriter (Remote - Dallas, TX preferred)

Dallas, TX

Full-time

Remote

Mid Level

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FinanceFinancial Services

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Responsibilities

Review loan applications and supporting documentation for manufactured housing loans, including income verification, credit reports, and property valuations.

Assess the creditworthiness of borrowers by analyzing financial statements, tax returns, employment history, and other relevant information.

Evaluate debt-to-income ratios and other key financial indicators to determine loan feasibility.

Ensure compliance with lending regulations, internal policies, and underwriting guidelines.

Collaborate with loan officers, processors, and other team members to gather necessary information and address any application deficiencies or documentation gaps.

Conduct thorough risk assessments to identify potential red flags or fraudulent activities.

Prepare loan underwriting summaries, including recommended loan structures, risk mitigation strategies, and rationales for decision-making.

Communicate lending decisions and provide clear explanations to loan officers, processors, and other stakeholders.

Stay updated on industry best practices, regulatory changes, and market trends related to manufactured housing financing.

Qualification

Find out how your skills align with this job's requirements. If anything seems off, you can easily click on the tags to select or unselect skills to reflect your actual expertise.

Loan UnderwritingManufactured Housing LoansUnderwriting GuidelinesLending RegulationsFinancial Document AnalysisCredit ReportsTax ReturnsIncome StatementsLoan Origination SystemsMortgage Underwriting SoftwareDocument Management Tools

Required

Proven experience as a Loan Underwriter or in a similar role, with expertise in manufactured housing loans preferred.

Deep understanding of underwriting guidelines, lending regulations, and compliance requirements specific to manufactured housing.

Proficiency in analyzing financial documents, including credit reports, tax returns, and income statements.

Familiarity with loan origination systems, mortgage underwriting software, and document management tools.

Meticulous attention to detail and the ability to accurately review and interpret complex loan documents.

Strong analytical skills for evaluating creditworthiness and risk.

Excellent verbal and written communication skills for clear decision-making explanations and stakeholder interactions.

Ability to work independently, manage priorities effectively, and meet deadlines in a fast-paced environment.

High ethical standards with a commitment to confidentiality and data privacy.

Located in or around Dallas, TX

Benefits

Competitive Compensation: We offer a competitive salary with the potential for annual bonuses and variable pay, depending on your skills and experience.

Equity for All: As a part of our commitment to shared success, all employees receive equity in the company, allowing you to share in the growth and achievements of Zippy.

Remote Work: Enjoy the flexibility of working from home in a dynamic, remote-first environment.

Comprehensive Health Coverage: We provide medical, dental, and vision insurance, along with company-subsidized benefits like STD, LTD, and life insurance for you and your family.

Flexible Spending Accounts: Take advantage of medical & dependent care FSAs to help manage your expenses.

Training & Licensing Support: We invest in your professional growth with resources for training and licensing.

Paid Time Off: We offer generous PTO—and we encourage you to use it!

Wellbeing Programs: Access a variety of wellbeing resources, including Headspace, Gympass+, Fetch, Spring Health, SoFi, Perkspot, Ladder, and more through our Sequoia Wellbeing Programs.

Parental Leave: We provide paid parental leave to support you and your growing family.

No Meeting Wednesdays: Enjoy a mid-week break from meetings to focus and recharge.

Vibrant Slack Community: Engage with colleagues in our lively remote Slack community, featuring fun channels that connect people around shared interests like travel, pets, sports, food, and more.

Career Growth: We believe in promoting from within, offering you opportunities to grow your career with us.