Jr. Underwriter

Change Lending; Anaheim (CA); On-site; USD 74,500,608 - 83,096,832; Full time

Job summary

Change Lending in Anaheim, CA is seeking a Junior Underwriter to support the underwriting team by reviewing and organizing loan files for accuracy, completeness, and guideline compliance prior to full underwriting review.

This on-site role requires strong attention to detail, a sense of urgency, and the ability to work independently or with a team while upholding the company’s core values at the Anaheim branch.

Qualifications

• High school diploma or equivalent required; associates or bachelor's degree preferred.
• 1+ years mortgage operations experience preferred.
• Knowledge of residential mortgage loan products and terminology.
• Experience using Encompass or similar LOS.
• Strong writing, time management and organizational skills.
• Ability to work in a fast-paced environment.

Responsibilities

• Commitment to and modeling of Company core values.
• Demonstrate urgency in executing duties.
• Complete income calculations from bank statements and provide income analysis to brokers via Freshdesk.
• Review loan submission packages and label documents (credit reports, income docs, bank statements, contracts).
• Request missing documents from AE via email.
• Verify Encompass 1003 and forms match reports and documents.
• Ensure loan file perimeters meet program guidelines.
• Regular on-site attendance.
• Other duties as assigned.

Skills

Attention to detail

Time management

Analytical thinking

Communication

Self-motivated

Organizational skills

Education

Bachelors degree in Finance, Business, Accounting or related field

Associates degree in Finance, Business, Accounting or related field

Tools

Encompass

Freshdesk

Job description

Job DetailsJob Location: Anaheim-CL Branch - Anaheim, CA 92808Salary Range: $26.00 - $29.00 HourlyAbout The Role

About The Role

The Junior Underwriter supports the underwriting team by reviewing, organizing, and validating loan files to ensure accuracy, completeness, and guideline compliance prior to full underwriting review. This role requires strong attention to detail, a sense of urgency, and a commitment to the Companys Core Values.

Essential Job Duties/Responsibilities

The following job functions are not all-inclusive. The employee will be required to perform other job-related tasks/responsibilities as requested. Job duties may change as required by needs of the company.

• Commitment to and behavior modeling of the Companys Core Values
• Observable display of a sense of urgency in the execution of duties
• Complete income calculations from bank statement help desk and provide completed income analysis to broker partners via Freshdesk
• Review and scrub loan initial submission package d review and label documents such as credit reports, income documents, Fraudguard / Loansafe, bank statements, purchase contracts, title documents
• Request missing required documents from our AE team via email
• Review and confirm Encompass 1003 and encompass forms match broker credit report and documents
• Confirm loan file perimeters meets program guidelines and matrix
• Regular on-site attendance
• Other duties as assigned
• Regular on-site attendance
• Other duties as assigned

Qualifications

Qualifications, Knowledge, Skills and Abilities:

• High school diploma or equivalent required; Associates or Bachelors degree in Finance, Business, Accounting, or a related field preferred
• 1+ years of experience in mortgage operations (e.g., disclosures, processing, underwriting support, loan setup, or quality control) preferred
• Basic understanding of residential mortgage loan products, documentation, and terminology
• Experience working in Encompass or a similar Loan Origination System preferred
• High school diploma required
• Effective business writing, time management and organizational skills
• Strong analytical and problem-solving skills
• Ability to work effectively in a fast-paced environment
• Self-motivated with an ability to work independently and in a team environment
• Strong organizational skills and ability to handle detailed assignments
• Ability to prioritize workload while meeting deadlines
• Ability to communicate in writing and verbally effectively