Correspondent Underwriter

Acra Lending; Irvine (CA); On-site; USD 85,000 - 120,000; Full time

Benefits offered by this job

Medical benefits

Dental benefits

Vision benefits

Wellness programs

401k match

Annual awards

Job summary

Acra Lending is seeking an experienced mortgage underwriter to perform highly detailed reviews of loan files and assess credit requests in line with Acra's guidelines and regulatory requirements. You will analyze each loan, measure risk, and make informed lending decisions with accuracy and accountability in a fast-paced environment.

The role covers frontline underwriting of new loan files, review of contingencies, evidence gathering, and coordination with underwriting teams to ensure

Qualifications

• Ability to develop strong understanding of Acra Underwriting guidelines
• Non-QM and Correspondent lending experience
• Experience performing manual underwrites of mortgage loan files
• Adept at performing analysis and evaluation of a credit request and identifying appropriate documents to request from applicants
• Experience making credit recommendations by measuring multiple events and quantifying the associated risks while adhering to guidelines and compliance requirements
• Ability to communicate effectively in both verbal and written form and ability to explain credit decisions
• Strong time management skills to effectively plan and organize a high daily loan volume
• Detail-oriented team player able to work constructively with fellow employees
• Self-motivated with good interpersonal skills
• Well organized and able to process detailed information with accuracy and efficiency
• Must be Proficient in English: speak, read, write

Responsibilities

• Manually underwrite mortgage loan files and review applications to ensure accuracy and completeness
• Measure events in an applicant’s file and review contingencies to quantify risk
• Exercise judgment to determine items to request from applicants and to make accurate credit decisions
• Frontline underwriting of new loan files, suspense reviews, condition reviews, re-works and more
• Ability to perform duties and resolve issues without supervision and coordinate with supervisor on complex issues
• Use mortgage industry software; experience with Doc Velocity and Byte Pro is a plus
• Other duties as assigned

Skills

Underwriting

Credit analysis

Regulatory knowledge

Documentation review

English proficiency

Time management

Attention to detail

Education

3+ years frontline underwriting

5+ years non-prime underwriting

ATR/RESPA/Reg B/Reg O/Reg Z experience

Tools

Doc Velocity

Byte Pro

Job description

Posted Thursday, July 23, 2026 at 7:00 AM

At Acra Lending our employees enjoy an opportunity to work with great people. We celebrate several events throughout the year accompanied by raffles and giveaways for employees nationwide. We are especially proud to give back to our community and truly enjoy one another's company.

We are looking for candidates to join our team who are passionate about their vocation. Who are committed to making a contribution and are looking to gain experience in order to grow in their career. Our headquarters are located on a beautiful campus in Irvine, California and if you work out of our Irvine office we can also provide a free gym membership.

Summary

The position performs highly detailed functions and technical measurements in a file’s manual underwrite. Analyze and evaluate credit requests by applicants. Analyze each loan in compliance with Acra’s credit guidelines and regulatory requirements.

Essential Duties and Responsibilities

• Manually underwrite mortgage loan files. Review and analyze mortgage loan applications and supporting documents to ensure accuracy and completeness in order to make an informed lending decision in compliance with Acra policies and guidelines
• Measure multiple events in an applicant’s file and review application contingencies to quantify associated risk.
• Exercise judgement to determine correct items to request from applicants and to make accurate credit decisions.
• Responsible for frontline underwriting of new loan files, suspense reviews, condition reviews, re-works, etc. while adhering to production standards, staying within established turn-time timeframes and meeting minimum loan quality standards
• Ability to perform duties and resolve issues without supervision and actively engage with supervisor to resolve complicated issues
• Computer literate to include experience using Microsoft applications with mortgage industry standard software. Experience with Doc Velocity (paperless system) and Byte Pro a plus
• Other duties as assigned

Qualifications

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Ability to develop strong understanding of Acra Underwriting guidelines
• Non-QM and Correspondent lending experience
• Experience performing manual underwrites of mortgage loan files
• Adept at performing analysis and evaluation of a credit request and identifying appropriate documents to request from applicants
• Experience making credit recommendations by measuring multiple events and quantifying the associated risks while adhering to guidelines and compliance requirements
• Ability to communicate effectively in both verbal and written form and ability to explain credit decisions
• Strong time management skills to effectively plan and organize a high daily loan volume
• Detail-oriented team player able to work constructively with fellow employees
• Self-motivated with good interpersonal skills
• Well organized and able to process detailed information with accuracy and efficiency
• Must be Proficient in English: speak, read, write

Education and/or Experience

• Minimum 3 years of recent experience frontline underwriting of residential mortgage loans
• Minimum five years of experience underwriting non-prime and A paper mortgage loans required
• Minimum 5 years of experience of state and federal lending regulations (i.e., Ability to Repay (ATR), RESPA, Reg B, Reg O, Reg Z, Fair Lending, etc.)

Our benefit offerings include: Medical, dental, vision, wellness programs, EAP counseling services, FSA & HSA, company sponsored life insurance for employee, voluntary life insurance for employee, spouse and child, AD&D Insurance, voluntary short-term and long-term disability, critical illness insurance, accident insurance, legal assistance, pet insurance, living will and trust preparation discounts, commuter program, annual walking challenge, employee appreciation events and monthly sales awards.

At Acra Lending, we were founded with a clear purpose: to specialize in alternative income loan products that help borrowers qualify for our flexible loan programs. We operate in 39 States, out of nine offices in Arizona, California, Florida, Georgia, Hawaii, Missouri, Nevada, Texas, and Utah along with a growing team of remote professionals across the country. Throughout the mortgage industry, Acra Lending is widely known for responsible lending practices, product innovation and operational efficiency. The foundation of our Company is built on helping our customers by providing Non-QM mortgage solutions for today’s borrower in residential and commercial properties across America.

Our Leadership team will encourage you to grow, make time to have fun, and work together to make great things happen. We embrace the strengths and values of each team member. We believe in having diverse perspectives where everyone is included, to serve customers from all walks of life. We reward our employees with a competitive salary and a variety of benefits to help our team members reach their health, retirement, and professional goals along with an exceptional 401k match program. We look forward to meeting you!