Underwriter - remote - MUST BE local to the San Francisco Bay Area

***remote - however you MUST BE local to the SF Bay Area***
*your resume needs to state your location*

Lenda: Home Financing made easy. 

As an underwriter at Lenda, you’ll be an integral part of us owning the entire mortgage lending eco-system. This means we’ll be able to continue delivering on the promise of providing best-in-class customer service. You’ll regularly engage with our technology development team to build smarter mortgage technology for our proprietary loan origination system (LOS), while also working closely with the Operations & Sales team to continue refining and improving our internal processes. Last but definitely not least, you’ll be a living example of Lenda’s core values of being professional, being awesome, and being yourself.

(And to set us all up for success, we define remote as: the ability to work from home 85% of the time after you go through our on-boarding. On-boarding will be no less than 4 weeks and no greater than 12 weeks. You will help determine the duration by how quickly you integrate with the team and learn the Lenda-way. Thereafter we would love to see you at the office for major events (announcements and to celebrate milestones) and at least once or twice (1-2 times) every 2 weeks. 

Deliverables you’ll be responsible for as an Underwriter:

Underwrite conventional conforming and jumbo loans to investor and regulatory guidelines: review and sign-off on application, credit, income, assets, & appraisal within product and borrower eligibility

Provide guidance to establish and enforce company credit policies and lending guidelines

Analyze loan files for accuracy and fraud; create conditions and clear them in a timely manner

Oversee correctness of data in proprietary Loan Origination Software and Investor portals

Communicate business requirements and suggestions to our software development team to improve automation and workflow while helping realize improvement through implementation, quality assurance, and launch

Support other areas of mortgage operations to fill gaps, specifically on processing, closing, and pipeline management

Continuously improve our policies, procedures, and documentation with data- driven analysis and improvements

Serve as a subject matter expert to inform our product and engineering teams by making suggestions, answering questions, helping build requirement documentation, and lead learning sessions on various industry topics

Test new product features as they are developed in-house, capturing issues/feedback; working with engineering team to resolve and release

Who You Are: 
5+ years experience underwriting conventional agency, government and jumbo products 
Proven track-record with manual jumbo underwrites 
Expert with DO/DU/LP automated underwriting systems 
Data-driven, structured, analytical mindset 
Clear, confident, organized communicator (both verbal and written) 
Not afraid of rolling up your sleeves and helping execute outside of your day- to-day responsibilities 
Excited by and filled with ideas to improve, build, and automate the underwriting process

Bonus Points: Experience with FHA Direct Endorsement (DE) program 

Our benefits: 

· Competitive salary and bonus 
· Stock options 
· Commuter benefits 
· Free lunch Thursday 
· Medical, Dental, Vision 
· 401k 

· Dog friendly 
· Sundeck 
· Bike racks 
· Great location plus Galvanize Café is on site (Eat. Drink. Think.)

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