Jobs in Edinburgh, United Kingdom

About the team Zillow Home Loans provides customers with a streamlined option for their home financing needs. By applying Zillow's home-buying knowledge and brand-new technology, we strive to build a more straightforward and smooth 'check-out' experience in the real estate transaction.

The main responsibility of the Underwriter is to analyze mortgage loan documents in detail, ensuring compliance with guidelines from agencies, companies, and investors. This guarantees the salability of closed loans. Additional responsibilities include:

• Review resubmitted files and documents
• Make and issue independent and compliant loan decisions
• Enter information into Encompass LOS to document and validate the file
• Maintain company service level and turn-time standards
• Maintain confidentiality with private and sensitive information
• Respond to audits and post-closing issues on time
• Maintain working and specific knowledge of agency and investor guidelines and policies and regulatory and market changes
• Collaborate with processing staff on underwriting deficiencies and calculation errors and loan processors regarding acceptable credit documentation

This role has been categorized as a Remote position. “Remote” employees do not have a permanent corporate office workplace and, instead, work from a physical location of their choice, which must be identified to the Company. U.S. employees may live in any of the 50 United States, with limited exceptions. In California, Colorado, Connecticut, Hawaii, Illinois, Maryland, Massachusetts, Minnesota, Nevada, New Jersey, New York, Rhode Island, Vermont, Washington state, and Washington DC the standard base pay range for this role is $40.90 - $65.30 Hourly. This base pay range is specific to California, Colorado, Connecticut, Hawaii, Illinois, Maryland, Massachusetts, Minnesota, Nevada, New Jersey, New York, Rhode Island, Vermont, Washington state, and Washington DC and may not be applicable to other locations. In addition to a competitive base pay, employees in this role are eligible for incentive compensation and equity awards. Actual amounts will vary depending on experience, performance and location.

Who you are

• A minimum of 5+ years of recent residential mortgage underwriting experience
• 6+ years mortgage industry experience
• Proficiency in reviewing and evaluating mortgage loan documents to ensure adherence to agency compliance and investor guidelines
• Experience reviewing and evaluating borrower profiles, including income documentation, personal and business tax returns, credit reports, preliminary title reports, and appraisals
• Ability to manage a large pipeline and optimally handle pressure and tight deadlines
• Strong analytical decision-making, problem-solving, prioritization of workload
• Ability to succeed in a fast-paced, high-stakes environment and maintain a high level of quality and production standards
• Strong verbal and written communication skills and able to build and maintain professional relationships with peers and management
• Certifications preferred (FHA-CHUMS; VA-LAPP/SAR)
• Experience underwriting Jumbo loans preferred
• Experience with recent manual underwriting
• Experience in a medium to large size nonbank lender preferred
• Encompass experience preferred
• Bachelor’s degree in finance or a related field is preferred, but equivalent experience will also be considered.

Zillow is reimagining real estate to make home a reality for more and more people.

As the most-visited real estate website in the United States, Zillow and its affiliates help movers find and win their home through digital solutions, first class partners, and easier buying, selling, financing and renting experiences. Millions of people visit Zillow Group sites every month to start their home search, and now they can rely on Zillow to help make it easier to move. The work we do helps people get home and no matter what job you're in, you will play a critical role in making home a reality for more and more people.

Our efforts to streamline the real estate transaction are supported by a deep-rooted culture of innovation, our passion to redefine the employee experience, a fundamental commitment to Equity and Belonging, and world-class benefits. These benefits include comprehensive medical, dental, vision, life, and disability coverages as well as parental leave, family benefits, retirement contributions, and paid time off. We’re also setting the standard for work experiences of the future, where our employees are supported in doing their best work and living a flexible, well-balanced life. But don’t just take our word for it. Read recent reviews on Glassdoor and recent recognition from multiple organizations, including: the 100 Best Companies to Work For, Glassdoor Employees’ Choice Award, Bloomberg Gender-Equality Index, Human Rights Campaign (HRC) Corporate Equity Index, and TIME 100 Most Influential Companies list.

Zillow Group is an equal opportunity employer committed to fostering an inclusive, innovative environment with the best employees. We are committed to equal employment opportunity regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity or Veteran status. If you have a disability or special need that requires accommodation, please contact your recruiter directly.

Qualified applicants with arrest or conviction records will be considered for employment in accordance with applicable state and local law.

Applicants who receive job offers from Zillow Group will be asked to sign a Proprietary Rights Agreement which includes confidentiality, intellectual property assignment, customer and employee non-solicitation, and non-competition provisions. If you are contacted for a role at Zillow Group and wish to review a copy of the Proprietary Rights Agreement prior to receiving an offer, you may request a copy from your Recruiter.