Remote Credit Risk & Mortgage Underwriting Lead

OWN; Central (LA); Hybrid; USD 58,000 - 93,000; Full time

Benefits offered by this job

Equity/options

Job summary

OWN is seeking a Credit Risk & Underwriting Lead to establish the underwriting foundation for its first fixed-rate onchain mortgage files. You will build repeatable rules and workflows, underwrite initial mortgages manually, and work with product and engineering to automate processes for scalable risk management.

The role requires strong TradFi credit, mortgage underwriting, or secured lending experience, with a preference for exposure to crypto lending or DeFi collateral.

Qualifications

• 5+ years in credit risk or mortgage underwriting or related fields.
• Direct experience reviewing or approving real credit exposures.
• Strong understanding of LTV, collateral valuation, amortization, recoveries, defaults/cures, and credit committee materials.
• Ability to convert underwriting judgment into repeatable rules and workflows.
• Comfortable working with developers to automate credit/risk processes.

Responsibilities

• Build the underwriting framework for borrower eligibility, collateral, LTV, loan duration, amortization, default triggers, cure periods, recoveries, and exception handling.
• Translate framework into underwriting rules, risk models, checklists, templates, and approval workflows.
• Underwrite first mortgage files manually and identify automation opportunities.
• Collaborate with product and engineering to automate borrower intake, collateral analysis, LTV monitoring, credit memo generation, approval flows, and portfolio reporting.
• Define data inputs, model assumptions, risk flags, and decision logic for internal underwriting engine.
• Create lender-facing risk materials for DeFi capital providers and family offices.
• Establish portfolio limits, monitoring rules, stress scenarios, and governance for credit decisions.
• Coordinate with legal/compliance on enforceability and disclosures.

Skills

Credit risk

Mortgage underwriting

LTV analysis

Credit memo templates

Automation collaboration

Job description

OWN is seeking a Credit Risk & Underwriting Lead to establish the underwriting foundation for its first fixed-rate onchain mortgage files. You will build repeatable rules and workflows, underwrite initial mortgages manually, and work with product and engineering to automate processes for scalable risk management.

The role requires strong TradFi credit, mortgage underwriting, or secured lending experience, with a preference for exposure to crypto lending or DeFi collateral.