Hybrid Scottsdale Credit Risk Underwriter

Tri Pointe Homes, Inc.; Scottsdale (AZ); Híbrido; USD 90.000 - 130.000; Jornada completa

Descripción de la vacante

Tri Pointe Connect in Arizona is seeking a Credit Risk Underwriting Resolution Specialist to join our hybrid Operations Center in Scottsdale. You will perform loan-level underwriting reviews, conduct income validation, and strengthen risk governance across Conventional, Government, Jumbo, and Non-QM loans.

The role emphasizes audits, data integrity, and second-level underwriting oversight, with opportunity to coach new underwriters and calibrate lending authority to meet investor requirements.

Formación

• Bachelor’s degree in Business, Finance or a related field.
• 5+ years of credit risk audit and/or mortgage underwriting experience across Conventional, Government (FHA/VA), Jumbo, and Non-QM products.

Responsabilidades

• 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.
• Perform second-level underwriting reviews for new underwriters seeking initial lending authority, validating accuracy, guideline comprehension, and risk assessment.
• 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.
• Audit and evaluate the work of domestic and offshore third-party QC vendors, including pre-funding, post-closing, and targeted audit activities.
• Identify and elevate 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.

Conocimientos

Credit risk audit

Mortgage underwriting

Agency guidelines

Tax-return analysis

Encompass

Audit documentation

Communication

Attention to detail

Deadline-driven

Educación

Bachelor's degree in Business, Finance or related field

Herramientas

Encompass

Descripción del empleo

Tri Pointe Connect in Arizona is seeking a Credit Risk Underwriting Resolution Specialist to join our hybrid Operations Center in Scottsdale. You will perform loan-level underwriting reviews, conduct income validation, and strengthen risk governance across Conventional, Government, Jumbo, and Non-QM loans.

The role emphasizes audits, data integrity, and second-level underwriting oversight, with opportunity to coach new underwriters and calibrate lending authority to meet investor requirements.