Audit Resolution Underwriter

Bayview Asset Management; Denver (CO); Hybrid; USD 90,000 - 115,000; Full time

Job summary

Bayview Asset Management in Denver is seeking an Audit Resolution Underwriter to coordinate post-close audit responses and ensure loans meet investor guidelines for secondary market purchases.

You will review loan documents, resolve audit conditions, and communicate with Correspondents to drive timely resolutions while maintaining compliance and quality controls. Regular interactions with senior leadership and due diligence teams are expected.

Qualifications

• Minimum 6 years mortgage underwriting experience.
• Current working knowledge of FNMA and FHLMC underwriting guidelines.
• General knowledge of GNMA, FHA, VA, USDA, Non-Agency, and Affordable Lending guidelines; experience in these areas is preferred but not required.
• Strong analytical, problem-solving, and decision-making skills.
• Excellent verbal and written communication skills.
• Proficiency in Microsoft Word and Excel; Access experience is a plus.

Responsibilities

• Analyze loan files and credit audit findings to determine underwriting accuracy and compliance with investor guidelines.
• Review credit, income, asset, and collateral documentation to validate adherence to secondary market requirements.
• Resolve conditions within external due diligence systems by evaluating findings, providing supporting analysis, and responding professionally with minimal supervision.
• Communicate directly with Correspondents to explain deficiencies and identify documentation required to resolve findings.
• Evaluate supplemental documentation to confirm conditions are adequately cleared and underwriting decisions are supported.
• Monitor audit resolution pipelines and follow up with Correspondents and due diligence firms to meet required deadlines.
• Recommend loan repurchases or downgrades, including consideration of applicable compensating factors.
• Prioritize competing responsibilities and meet deadlines for agency responses and final reporting supporting sales and securitizations.
• Identify audit trends, recommend corrective action plans, and communicate recurring issues to Correspondent Underwriting management.
• Develop and maintain reporting on post-purchase audit trends and findings for senior leadership.
• Support Closed Loan Audit Underwriters during high-volume periods through pre-purchase reviews and condition resolution.
• Perform other duties as assigned by management.

Skills

Mortgage underwriting

Financial analysis

Regulatory knowledge

Communication skills

Attention to detail

AI tools

Tools

Microsoft Word

Excel

Access

Job description

Overview

ABOUT US:

Founded in 1993, Bayview Asset Management is an investment management firm focused on investments in mortgage and consumer credit, including whole loans, asset-backed securities, mortgage servicing rights, and other credit-related assets.

POSITION SUMMARY:

The Audit Resolution Underwriter will be responsible for the coordinated response to external and internal post close audits indicating mortgage loans did not meet required investor's credit underwriting guidelines. The candidate will weigh all aspects of the individual loan credit risk to ensure loans are originated by third parties to meet secondary market guidelines and requirements and are eligible for purchase or recommend repurchase/mitigation.

RESPONSIBILITIES:

• Analyze loan files and credit audit findings to determine underwriting accuracy and compliance with investor guidelines.
• Review credit, income, asset, and collateral documentation to validate adherence to secondary market requirements.
• Resolve conditions within external due diligence systems by evaluating findings, providing supporting analysis, and responding professionally with minimal supervision.
• Communicate directly with Correspondents to explain deficiencies and identify documentation required to resolve findings.
• Evaluate supplemental documentation to confirm conditions are adequately cleared and underwriting decisions are supported.
• Monitor audit resolution pipelines and follow up with Correspondents and due diligence firms to meet required deadlines.
• Recommend loan repurchases or downgrades, including consideration of applicable compensating factors.
• Prioritize competing responsibilities and meet deadlines for agency responses and final reporting supporting sales and securitizations.
• Identify audit trends, recommend corrective action plans, and communicate recurring issues to Correspondent Underwriting management.
• Develop and maintain reporting on post-purchase audit trends and findings for senior leadership.
• Support Closed Loan Audit Underwriters during high-volume periods through pre-purchase reviews and condition resolution.
• Perform other duties as assigned by management.

Qualifications:

• Minimum 6 years mortgage underwriting experience

SKILLS:

• Minimum of 6 years of recent experience in conventional mortgage underwriting, quality analysis, or quality control within the past 5 years.
• Current working knowledge of FNMA and FHLMC underwriting guidelines.
• General knowledge of GNMA, FHA, VA, USDA, Non-Agency, and Affordable Lending guidelines; experience in these areas is preferred but not required.
• Strong analytical, problem-solving, and decision-making skills.
• Excellent verbal and written communication skills.
• Proficiency in Microsoft Word and Excel; Access experience is a plus.
• Strong attention to detail with the ability to manage multiple priorities and meet deadlines.
• Effective interpersonal skills and the ability to build and maintain internal and external business relationships.
• Ability to work collaboratively in a team-oriented environment.
• Proficiency in AI tools to improve efficiency, support analysis, and enhance written communication while maintaining accuracy and sound judgment.

LOCATION and COMPENSATION:

• This role is hybrid in our Denver office.
• Base compensation is expected to be $90,000 – $115,000 with the opportunity for bonus compensation

*Salary may vary based on work experience, market conditions, location, and qualifications/training.

EEOC:

Bayview is an Equal Employment Opportunity employer. All aspects of consideration for employment and employment with the Company are governed on the basis of merit, competence and qualifications without regard to race, color, religion, sex, national origin, age, disability, veteran status, sexual orientation, or any other category protected by federal, state, or local law.