Jobs in Duisburg, Germany

Kiavi is one of the nation’s largest private lenders to residential real estate investors (REIs). We harness the power of data & technology to offer our customers a simpler, more reliable, and faster way to access the capital they need to scale their businesses.

Formerly known as LendingHome, we’re committed to helping REIs revitalize the approximately $25 trillion worth of aged U.S. housing stock to provide move-in ready homes and rental housing for millions of Americans across the country.

Combining our technology and industry expertise, Kiavi has grown to a team of over 400 and has won many awards over the years including Forbes Fintech 50, Finovate Awards, Best Digital Mortgage Platform, Fast Company’s Most Innovative Companies, and many more.

• Loans Funded: $22 billion in loans funded
• Homes financed: 71,000+ projects funded for our customers across the country
• Geography: 31 states + D.C. where we lend to REIs so they can revitalize neighborhoods
• Employees: Over 400 employees with competitive benefits and perks

This position can be based remotely in any of our approved hiring regions. Our hybrid distributed workforce philosophy allows us to find the best talent in the country and build diverse teams, while allowing our colleagues to work from the location that works best for them.

An Underwriter has superior credit training and excellent organizational skills. Underwriters are responsible for managing the loans through final credit approval including working with Sales, Loan Analyst, closers/funders and valuation analysts. The candidate must possess a working knowledge of residential lending programs and practices with the proven ability to partner with sales and processing to move loans quickly and efficiently through the pipeline. The individual will be expected to provide superior client service to achieve financial objectives. The successful candidate must also be highly self-motivated, entrepreneurial, organized and passionate about growing a business in a team environment.

• Underwrite multiple mortgage loan products in compliance with company credit guidelines and regulatory requirements
• Review loan files for completeness, identify missing documentation and generate condition lists for the applicants
• Collaborate with the loan analyst and salesperson to complete the credit analysis in a timely manner
• Ensure that the correct data is entered into the loan origination system
• Responsible for reviewing and owning all loan file details prior to submission to closing manager including work done by all upstream partners
• Work with loan analyst and closers to ensure a smooth hand-off of the files occurs
• Manage constant deal flow and prioritize to ensure loans close on time with a high degree of accuracy in a deadline-oriented environment
• Identify and report any suspected fraudulent activity occurring with any stakeholder and escalate issues to the appropriate management when necessary
• Keep abreast of all company policies and procedures as well as federal and state regulatory changes by participating in in-house training events
• Proficient in pipeline management

• Education: Bachelor’s Degree or relative experience

• Experience: 3+ years residential mortgage lending experience with good knowledge of lending regulations and credit/collateral analysis practices; underwriting or processing fix & flip hard money loans a plus

• Skills/Ability: Strong written and verbal communication skills; must be able to adapt well to a fast-paced and constantly changing business environment; PC proficient at the intermediate level; comfortable with new technology systems and paperless environment, demonstrated the ability to work in a team-oriented environment; demonstrated ability to provide good customer service

Kiavi takes a market-based approach to pay, and pay may vary depending on your location. The expected annualized base pay range for this full-time role to be performed remotely is $60,000 to $90,000 + $9,000 bonus + benefits. The range displayed on each job posting reflects the minimum and maximum target for new hire salaries. Within the range, the successful candidate’s starting pay will be determined based on job-related skills, experience, qualifications, work location, and market conditions. Your recruiter can share more about the specific base pay range for your preferred location during the hiring process. Please note that the pay range listed above reflects the base salary only, and does not include the target value of bonus, equity, or benefits.

• Medical, Dental, and Vision Insurance: Kiavi offers employer-provided medical, dental, and vision coverage. Dependents may have discounted premiums.
• Health Savings Account (HSA): For those enrolled in a High Deductible Health Plan (HDHP), Kiavi provides an annual employer contribution to HSAs: $500 for individual coverage and $1,000 for dependents.
• Disability and Life Insurance: Short-term and long-term disability insurance, group life and AD&D insurance, with coverage at 1x annual salary.
• Remote Work Policy: Kiavi supports remote work for day-to-day activities and may require in-person meetings occasionally. Remote employees receive a one-time office setup reimbursement of up to $500 and a monthly $85 stipend for internet and phone expenses. In-office workers receive employer contributions to a commuter benefits account.
• Flexible Time Off: Employees manage their own time off with no strict limits, as long as approved by their manager.
• 401(k) & Company Match: 401(k) plan with Kiavi matching 100% of contributions up to 3% of compensation or $6,000 (whichever is less). All employer contributions are immediately vested.

Protect yourself from recruitment scams:

• If you are offered an interview or a role with Kiavi, this will be communicated through an official Kiavi email address ending in kiavi.com or lendinghome.com.
• You will never be asked for payments of any kind during the process.
• We also never communicate with candidates via Whatsapp during the recruitment process.
• We won’t ask for personal information or data via text message. If you have concerns regarding a text message, contact your recruiter.
• You can find our official Kiavi careers page. We advise you to check that the page details and website addresses match if you have any concerns.

San Francisco Fair Chance Ordinance Police Code, Article 49