Manufactured Home Loan Underwriter (Remote)

Zippy; Dallas (TX); À distance; USD 85 000 - 125 000; Plein temps

Avantages offerts par ce poste

Equity

Remote work

Health coverage

Paid time off

Parental leave

No meeting Wednesdays

Career growth

Résumé du poste

Zippy, a Dallas-based lender specializing in manufactured home loans, seeks a detail-oriented Underwriter to evaluate dealer and broker-originated applications. You will assess borrower creditworthiness, verify income, and ensure adherence to underwriting guidelines.

In this role, you will collaborate with dealers, brokers, and cross-functional teams to move files through the pipeline, stay current on regulations, and provide clear, evidence-based loan decisions.

Qualifications

• Previous experience as a loan underwriter or in a similar role is required; experience with manufactured housing loans and/or dealer, broker, or other indirect lending channels is strongly preferred.
• Strong knowledge of underwriting guidelines, lending regulations, and compliance requirements specific to manufactured housing loans.
• Proficient in analyzing financial statements, credit reports, tax returns, and other relevant financial documents.
• Familiarity with loan origination software, underwriting systems, and document management platforms.

Responsabilités

• Review loan applications and supporting documentation for manufactured housing loans, including income verification, credit reports, and property valuations.
• Assess borrower creditworthiness by analyzing financial statements, tax returns, employment history, and other relevant information.
• Evaluate loan-to-value ratios, debt-to-income ratios, and other key financial indicators to determine loan feasibility.
• Analyze manufactured housing market trends and property valuations to determine appropriate loan amounts and terms.
• Independently underwrite standard loan scenarios in alignment with company guidelines and risk tolerance.
• Conduct thorough risk assessments to identify discrepancies, red flags, or potential fraudulent activity, escalating more complex scenarios as needed.
• Ensure compliance with lending regulations, internal policies, and underwriting guidelines.
• Prepare clear, well-supported underwriting decisions and summaries, including recommended loan structures, risk mitigation strategies, and rationale for decision-making.
• Work with dealers and brokers to offer alternative loan options or counter offers when the original loan request does not meet lending guidelines.
• Partner closely with dealers, brokers, loan officers, fulfillment support, processors, and other cross‑functional teams to gather necessary information and resolve application deficiencies or documentation gaps.
• Communicate underwriting decisions clearly and directly to retail partners (dealers and brokers) as well as internal stakeholders.
• Manage a pipeline of files, ensuring timely decision‑making and consistent throughput.
• Stay current on industry best practices, regulatory changes, and market trends related to manufactured housing and dealer/broker lending.
• Continue building expertise in manufactured housing, underwriting guidelines, and company systems and processes.

Connaissances

Underwriting

Financial analysis

Regulatory compliance

Communication with dealers

Adaptability

Attention to detail

Pipeline management

Formation

Experience in underwriting manufacture housing loans

Outils

Loan origination software

Underwriting systems

Document management platforms

Description du poste

Zippy, a Dallas-based lender specializing in manufactured home loans, seeks a detail-oriented Underwriter to evaluate dealer and broker-originated applications. You will assess borrower creditworthiness, verify income, and ensure adherence to underwriting guidelines.

In this role, you will collaborate with dealers, brokers, and cross-functional teams to move files through the pipeline, stay current on regulations, and provide clear, evidence-based loan decisions.