Remote Underwriter – Manufactured Home Loans (Dealer/Broker)

Zippy; Dallas (TX); Remote; USD 65,000 - 90,000; Full time

Benefits offered by this job

Remote-first environment

Stock options

Competitive benefits

Paid time off

Health insurance

Job summary

Zippy seeks a skilled Underwriter to join our Dealer & Broker lending team, focused on manufactured housing loans originated through dealer and broker partners. In this role, you will evaluate loan applications and assess borrower creditworthiness while working directly with retail partners to keep files moving efficiently through the pipeline.

Your expertise in analyzing financial documents, assessing risk, and ensuring compliance with lending regulations will be essential to making sound,

Qualifications

• Previous experience as a loan underwriter 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.

Responsibilities

• 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.

Skills

Underwriting experience

Financial analysis

Regulatory compliance

Communication with dealers/brokers

Attention to detail

Tools

Loan origination software

Underwriting systems

Document management platforms

Job description

Zippy seeks a skilled Underwriter to join our Dealer & Broker lending team, focused on manufactured housing loans originated through dealer and broker partners. In this role, you will evaluate loan applications and assess borrower creditworthiness while working directly with retail partners to keep files moving efficiently through the pipeline.

Your expertise in analyzing financial documents, assessing risk, and ensuring compliance with lending regulations will be essential to making sound,