Hybrid Credit Risk Underwriter – Scottsdale, AZ

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

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.