Credit Risk Underwriting Specialist

Tri Pointe Homes Holdings, Inc.; Scottsdale (AZ); Hybrid; USD 90,000 - 120,000; Full time

Job summary

Tri Pointe Connect in Scottsdale, AZ is seeking an experienced Credit Risk Underwriting Specialist to join our hybrid Operations Center team. You will review loan files, validate income, and support lending-authority calibration to ensure high-quality, compliant loans.

Responsibilities span audits, AUS validation, and vendor oversight, with a focus on Conventional, Government, Jumbo, and Non-QM products. A strong background in credit risk and EnCompass system usage is expected.

Qualifications

• Bachelor's degree required; business/finance field or equivalent experience.
• 5+ years of credit risk audit or mortgage underwriting across Conventional, Government (FHA/VA), Jumbo and Non-QM.
• Government underwriting designations (DE, VA Automatic) preferred.

Responsibilities

• Conduct loan-level underwriting reviews across multiple programs to ensure compliance with agency, investor and Tri Pointe Connect guidelines.
• Recalculate income using agency methodologies, including self-employed and rental income; perform K-1 analysis.
• Validate AUS findings and ensure data alignment between LOS, AUS and documentation.
• Perform second-level underwriting reviews for new underwriters, documenting findings and coaching.
• Maintain calibration standards for lending authority and investor requirements.
• Audit and evaluate domestic and offshore QC vendors and ensure findings align with requirements.
• Identify risk indicators and support development of internal policies and dashboards.

Skills

Agency guidelines

Regulatory compliance

Underwriting logic

ATR/QM requirements

Tax-return analysis

Self-employment income

Rental income evaluation

Encompass

Education

Bachelor's degree in Business/Finance

Tools

Encompass

Job description

Overview

Are you passionate about making a real impact in the homebuying journey? Our dynamic team is driven by innovation, collaboration, and a shared commitment to excellence. We offer a comprehensive suite of services—including mortgage, title, escrow, homeowner’s and title insurance—all integrated under one roof to create a seamless, high-quality lending experience for our borrowers. If you're ready to be part of a forward-thinking company that’s shaping the future of the industry,

Tri Pointe Connect, the mortgage affiliate of Tri Pointe Homes, is looking for an experienced individual to join our talented group in Arizona as a Credit Risk Underwriting Specialist. This is a hybrid position working out of our Operations Center in Scottsdale, Arizona.

Job Details

Position Summary

Key contributor to Tri Pointe Connect’s Credit Risk Department, responsible for loan-level underwriting reviews, credit-quality audits, lending-authority support, and vendor oversight across Conventional, Government (FHA/VA/USDA), Jumbo, and Non-QM products to ensure high-quality, salable, and compliant loans. This role strengthens risk governance through meticulous file audits, income validation, data integrity checks, defect trending, and second-level underwriting oversight.

Responsibilities

Credit Risk Underwriting Review

• Conduct in-depth audits and re-underwrites across Conventional, Government, Jumbo, and Non-QM loans to ensure compliance with agency, investor, and internal Tri Pointe Connect guidelines.
• Recalculate income using agency/investor methodologies, including complex self-employed income, rental income, K-1 analysis, and layered-risk borrower assessment.
• Validate AUS findings (DU/LPA) and confirm data alignment between LOS, AUS, and documentation.

Lending Authority Second-Level Review

• Perform second-level underwriting reviews for new underwriters seeking initial lending authority, validating accuracy, guideline comprehension, and risk assessment. Conduct second-level reviews for existing underwriters seeking expanded authority in additional products such as FHA, VA, and/or Jumbo.
• Document findings, recommend approval of lending authority, and provide coaching feedback where skill gaps are identified.
• Maintain calibration standards to ensure lending authority aligns with Tri Pointe Connect’s credit-risk expectations and investor requirements.

Quality Control (QC) Vendor Oversight

• Audit and evaluate the work of domestic and offshore third-party QC vendors, including pre-funding, post-closing, and targeted audit activities.
• Confirm that QC vendor findings are accurate, consistent, and aligned with agency/investor requirements and internal credit standards.
• Maintain vendor performance logs, participate in calibration calls, and support scorecard development.

Risk Governance & Reporting

• Identify and repurchase exposure, defect trends, risk indicators, data inconsistencies, and misrepresentation concerns to the Director of Credit Risk.
• Support development of internal credit policies, audit matrices, income guides, scorecards, and calibration frameworks.
• Contribute to executive-level reporting, trend dashboards, defect analytics, and quality insights.

Job Requirements

Qualifications

• Bachelors degree in Business, Finance or a related field, or equivalent industry experience.
• 5+ years of recent credit risk audit and/or mortgage underwriting experience across Conventional, Government (FHA/VA), Jumbo, and Non-QM products.
• Government underwriting designations (DE, VA Automatic), SAR preferred.

Skills

• Strong understanding of agency guidelines, investor overlays, regulatory compliance, manual underwriting logic, and ATR/QM requirements for non-agency products.
• Advanced skills in tax-return analysis, self-employment income reconstruction, and rental income evaluation.
• Expertise in loan origination systems, Encompass preferred.
• Strong communication and audit documentation skills (written and verbal), with the ability to articulate nuanced credit-risk concerns clearly.
• Demostrated ability to explain discretionary decisions and findings when reviewing loans for audit.
• Detail-oriented with a strong focus on accuracy.
• Demonstrates the ability to perform effectively under strict deadlines in a dynamic environment.

Physical Requirements

• May require working after-hours
• Sedentary for extended periods, up to 4 hours
• Frequent repetitive hand use (typing/computer work)
• Auditory ability to communicate in person, on calls, or in meetings
• Visual acuity for reading documents and computer work
• Hybrid role in Scottsdale, AZ (in office M-W)

Tri Pointe Homes is committed to building a diverse and talented team to help us achieve our goals. Please note that due to operational constraints, we are unable to consider applicants who require visa sponsorship (e.g., H1B, OPT) for this position. This policy applies uniformly to roles where sponsorship cannot be accommodated to ensure consistency and fairness in our hiring process.

At Tri Pointe Homes, we are intentional about fostering an environment where you, and all individuals, are encouraged to be their authentic selves.We embrace individuality and strive to be consciously inclusive of different backgrounds, experiences, and perspectives in every aspect of our business.We believe our company’s strength relies on the diversity of the team and the unique, innovative ideas everyone contributes.

Pursuant to the California Consumer Privacy Act of 2018, if you are a California resident, you have the right to know the categories of personal information that we collect about job applicants, employees and their emergency contacts and beneficiaries, and independent contractors. Please clickherefor a description of our personal information collection practices.

We are an Equal Opportunity Employer, which means we make employment decisions based on merit and qualifications and are committed to providing equal opportunities for all applicants and employees without regard to their race, color, creed, religion, national origin, ancestry, citizenship status, age, disability, sex, sexual orientation, gender identity or expression, veteran status, genetic information, or any other characteristic protected by applicable federal, state or local laws.

We will endeavor to make a reasonable accommodation to the known physical or mental limitations of a qualified applicant with a disability unless the accommodation would impose an undue hardship on the operation of our business. If you believe you require such assistance to apply for an open position or to participate in an interview, please let us know.