Remote Underwriter - Manufactured Housing & Brokers

Zippy; Georgia; A distancia; USD 70.000 - 110.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Remote work

Equity for all

Health coverage

Paid time off

Parental leave

Descripción de la vacante

Zippy seeks an experienced Underwriter for its Dealer & Broker (Retail) lending team, focused on manufactured housing loans originated through dealer and broker partners. You will evaluate loan applications, assess borrower creditworthiness, and guide timely decisions to keep files moving through the pipeline.

You will analyze financial statements, tax returns, and employment histories, ensuring compliance with regulations and company guidelines while collaborating with cross-functional teams to

Formación

• Previous experience as a loan underwriter or in a similar role.
• Experience with manufactured housing loans and/or dealer, broker, or other indirect lending channels preferred.
• Strong knowledge of underwriting guidelines, lending regulations, and compliance requirements relevant to manufactured housing loans.
• Proficient in analyzing financial statements, credit reports, tax returns, and other relevant financial documents.

Responsabilidades

• 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.

Conocimientos

Underwriting

Credit analysis

Regulatory compliance

Financial statement analysis

Communication with partners

Attention to detail

Risk assessment

Fraud detection

Herramientas

Loan origination software

Underwriting systems

Document management platforms

Descripción del empleo

Zippy seeks an experienced Underwriter for its Dealer & Broker (Retail) lending team, focused on manufactured housing loans originated through dealer and broker partners. You will evaluate loan applications, assess borrower creditworthiness, and guide timely decisions to keep files moving through the pipeline.

You will analyze financial statements, tax returns, and employment histories, ensuring compliance with regulations and company guidelines while collaborating with cross-functional teams to