DSCR Underwriter

TEAM ARCHITECTS; Charlotte (NC); On-site; USD 70,000 - 170,000; Full time

Job summary

A leading lending company seeks a DSCR Underwriter to evaluate loan applications and ensure compliance with policies and regulations. The role involves careful analysis of financial documents and collaboration with loan officers, making this a crucial position in the lending process. Competitive salary and benefits offered.

Benefits

Health insurance

Paid time off (PTO)

Professional development opportunities

Qualifications

• 3+ years experience in underwriting or collateral analysis.
• Proficiency in interpreting financial statements and credit reports.
• Strong understanding of lending regulations and risk assessment.

Responsibilities

• Evaluate loan applications and financial statements to assess risk.
• Decide on loan approvals or declines within authority levels.
• Ensure compliance with company policies and lending regulations.

Skills

Analytical skills

Problem-solving

Communication skills

Tools

Microsoft Office Suite

Job description

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About Us

Ternus Lending, where our foundation is built on a simple yet transformative idea: a lending company created by investors, for investors. In the dynamic world of real estate investment, we saw a gap – a need for a lender who not only provides funds but understands the journey, challenges, and aspirations of fellow investors.

About Us

Ternus Lending, where our foundation is built on a simple yet transformative idea: a lending company created by investors, for investors. In the dynamic world of real estate investment, we saw a gap – a need for a lender who not only provides funds but understands the journey, challenges, and aspirations of fellow investors.

Position Summary

The Underwriter will evaluate and analyze the creditworthiness of loan applicants in accordance with company policies, guidelines, and risk assessment standards. This role requires strong attention to detail, financial analysis skills, and the ability to make sound, data-driven decisions. The Underwriter will work closely with loan officers, processors, and management to review and approve loans efficiently and responsibly.

Key Responsibilities

• Evaluate and analyze loan applications, financial statements, collateral reports, and other relevant documentation to assess risk and creditworthiness.
• Make loan approval or decline decisions within designated authority levels and provide recommendations for exceptions.
• Ensure all underwriting decisions comply with company policies, procedures, and applicable lending regulations.
• Collaborate with loan officers and processors to gather additional information and clarify any discrepancies.
• Conduct risk assessments and identify potential areas of concern related to borrower eligibility, loan terms, and collateral.
• Accurately document underwriting decisions and maintain records for audit and compliance purposes.
• Communicate loan decisions, conditions, and rationale to internal stakeholders and, as necessary, to borrowers.
• Stay up to date with industry trends, lending regulations, and best practices in underwriting.
• Participate in team meetings, training sessions, and process improvement initiatives to enhance underwriting performance.
  
  

Requirements

Qualifications:

• 3+ years of experience in underwriting, collateral analysis, or a related role within the lending industry.
• Proficiency in reviewing and interpreting automated valuation models, financial statements, background, and credit reports.
• Strong understanding of lending regulations, credit policies, and risk assessment principles.
• Excellent analytical, problem-solving, and decision-making skills.
• Strong communication and interpersonal skills with the ability to explain underwriting decisions clearly.
• High level of attention to detail and ability to manage multiple priorities under tight deadlines.
• Proficiency in Microsoft Office Suite (Excel, Word, Outlook, etc.).
  
  

Benefits

Benefits:

• Competitive salary and performance-based incentives.
• Health insurance.
• Paid time off (PTO) and holidays.
• Professional development and training opportunities.

Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Finance and Sales

• Industries

  Insurance

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