Collateral Underwriter

Visio Lending; Northern (KY); Hybrid; USD 73,000 - 99,000; Full time

Benefits offered by this job

Remote work options

Growth opportunities

Job summary

Visio Lending seeks a Collateral Underwriter to review, analyze, and assess collateral for retail loans. Focus on appraisal analysis and collateral risk evaluation to ensure compliance with Visio Lending guidelines, investor requirements, and industry standards.

You will play a key role in maintaining loan quality, marketability, and a high standard of customer service through timely and accurate collateral decisions.

Qualifications

• 3+ years of experience in Collateral Underwriting or Valuation Review or a related field.
• Bachelor’s degree in business or related area.
• Working knowledge of investor underwriting guidelines and policies.
• Strong prioritization and time management skills.
• Excellent interpersonal, written, and verbal communication abilities.
• Demonstrated commitment to exceptional customer service.
• Advanced analytical and problem-solving skills.
• Proficiency in Microsoft Word and Excel.

Responsibilities

• Review, analyze, and render decisions on appraisal report escalations in accordance with company and investor guidelines.
• Complete comprehensive collateral reviews while meeting established service-level expectations.
• Manage a pipeline of collateral files and communicate issues with Appraisers, Processors, Customers, and Account Executives/Loan Originators.
• Stay current on investor guideline updates and collateral policy changes.
• Provide a high level of customer service to internal and external stakeholders.
• Collaborate with leadership regarding stipulations for loans.
• Perform additional responsibilities as assigned based on business needs.

Skills

Collateral Underwriting

Valuation Review

Investor Guidelines

Time Management

Customer Service

Excel

Communication

Education

Bachelor’s degree in business

Tools

Calyx Point

Salesforce

Microsoft Word

Microsoft Excel

Job description

About Visio Lending

Visio Lending is the nation’s leader in rental home financing. Founded in 2012 in Austin, Texas, Visio enables small- to medium- sized investors to grow their rental home, vacation rental, and small balance commercial portfolios. Headquartered in fantastic Austin, Texas, since late 2015, Visio has financed more than $1 billion in Rental360 loans. With more than $400 million in capital onboard, a proven record of investment grade bond issuance on Wall Street, and an outstanding 100+ team, Visio is poised for continued success.

Why We Love Working at Visio:

We at Visio are passionate about working together towards our goals to continually push this company forward. We innovate, collaborate, celebrate team successes, and recognize individual accomplishments. At Visio Lending, you’ll work on meaningful initiatives that directly support real estate investors nationwide. We offer a collaborative culture, growth opportunities, and flexibility with remote work options.

Visio Financial Services, Inc. is an Equal Opportunity Employer

The Opportunity

The Collateral Underwriter is responsible for reviewing, analyzing, and assessing subject collateral for loans originated through the retail platform. This position focuses on appraisal analysis and collateral risk evaluation to ensure compliance with Visio Lending guidelines, investor requirements, and industry standards. You will play a key role in maintaining loan quality, marketability, and a high standard of customer service through timely and accurate collateral decisions.

What You’ll Do

• Review, analyze, and render decisions on appraisal report escalations in accordance with company and investor guidelines
• Complete comprehensive collateral reviews while meeting established service-level expectations
• Manage a pipeline of collateral files and communicate issues with Appraisers, Processors, Customers, and Account Executives/Loan Originators
• Stay current on investor guideline updates and collateral policy changes
• Provide a high level of customer service to internal and external stakeholders
• Collaborate with leadership regarding stipulations for loans
• Perform additional responsibilities as assigned based on business needs
• Authorized Remote Locations: AL, AR, AZ, FL, GA, IL, IN, KS, KY, LA, MI, NC, SC, TX, UT
• Salary Range: $35.09 - $48.00/hour (Non-Exempt/Hourly/Overtime Eligible)

What We Are Looking For:

• 3+ years of experience in Collateral Underwriting or Valuation Review and/or a Bachelor’s degree in business or a related industry area major
• Working knowledge of investor underwriting guidelines and policies
• Strong prioritization and time management skills
• Excellent interpersonal, written, and verbal communication abilities
• Demonstrated commitment to exceptional customer service
• Advanced analytical and problem-solving skills
• Proficiency in Microsoft Word and Excel

What We Prefer to Find:

• Someone with experience with Non-QM Loans
• Someone with experience with underwriting DSCR loans
• Someone with experience with Calyx Point and SalesForce