Manufactured Home Loan Underwriter (Remote)

Zippy; United States; Remote; USD 70.000 - 105.000; Vollzeit

Benefits dieser Stelle

Competitive Compensation

Equity for All

Remote Work

Comprehensive Health Coverage

Flexible Spending Accounts

Training & Licensing Support

Paid Time Off

Wellbeing Programs

Parental Leave

No Meeting Wednesdays

Vibrant Slack Community

Career Growth

Zusammenfassung

Zippy, headquartered in Dallas, TX with remote-first teams nationwide, is seeking an Underwriter for the Dealer & Broker (Retail) lending team to evaluate applications and assess borrower creditworthiness for manufactured housing loans.

You will work with dealers and brokers to move files quickly, ensure compliance, and provide clear underwriting decisions while staying current on industry trends. This role offers a remote-friendly, nationwide work environment with strong benefits.

Qualifikationen

• 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.

Aufgaben

• 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.

Kenntnisse

Underwriting

Financial analysis

Regulatory compliance

Communication with retailers

Risk assessment

Tools

Loan origination software

Underwriting systems

Document management platforms

Jobbeschreibung

Zippy, headquartered in Dallas, TX with remote-first teams nationwide, is seeking an Underwriter for the Dealer & Broker (Retail) lending team to evaluate applications and assess borrower creditworthiness for manufactured housing loans.

You will work with dealers and brokers to move files quickly, ensure compliance, and provide clear underwriting decisions while staying current on industry trends. This role offers a remote-friendly, nationwide work environment with strong benefits.