Underwriter

Orchard; Detroit (MI); Remote; USD 60,000 - 100,000; Full time

Job summary

An innovative firm is seeking a Senior Mortgage Underwriter to join its dynamic team. This role involves ensuring loans meet GSE and internal requirements while maintaining exceptional quality and communication with partners. The ideal candidate will have extensive experience in underwriting conventional mortgages and appraisals, along with strong problem-solving and organizational skills. Join a forward-thinking company that values collaboration and offers the flexibility of remote work across multiple states. This is a fantastic opportunity to contribute to a transformative approach in the real estate industry.

Qualifications

• 5+ years of experience in underwriting conventional 1st mortgage loans.
• Ability to manage and monitor loan pipeline independently.

Responsibilities

• Review mortgage applications and communicate decisions clearly.
• Mentor Loan Processors and provide solutions to improve file quality.

Skills

Underwriting Conventional Mortgages

Appraisal Underwriting

Cash Flow Analysis for Self-Employed

Problem-Solving Skills

Organizational Skills

Communication Skills

Education

DE from FHA

SARS with VA

Tools

Google Suites

Job description

Orchard is radically simplifying the way people buy and sell their homes. For the average American, the home purchase and sale process takes months, creates anxiety, and is filled with uncertainty and hassle. Orchard has reimagined the end-to-end experience of buying and selling, from innovative home search tools to find the perfect home to the ability to buy a new home before selling your current one. Orchard customers manage the entire experience through a personalized online dashboard, while also getting the support of best-in-class Orchard real estate agents.

Headquartered in New York City with teammates across the US, Orchard has 150+ full time employees and 400+ real estate agents (1099). We have financing from top-tier investors including Revolution, Firstmark, Accomplice, Navitas and Juxtapose, who have also backed the likes of Pinterest, AirBnb, Shopify and Sweetgreen. We're proud to have been recognized by Crain's, Inc. 5000, Glassdoor, Parity.org and Built In on their lists of best places to work.

About the Role

Orchard is looking for a Senior Mortgage Underwriter to join our expanding team. In this role, you will be responsible for ensuring our loans meet GSE and internal loan requirements. You will need to work fast and efficiently, while maintaining exceptional quality and communication with internal partners.

This is a full time role that will report into the Senior Mortgage Operations Manager. This position can be remote in any of the Orchard hiring locations (AZ, CA, CO, FL, GA, MI, NC, NV, NY, TN, TX, WA.)

What You’ll Do Here:

• Review Conventional Mortgage and clearly communicate the loan decisions and/or requirements to all parties
• Maintain manager approved turn times on mortgage applications, while being able to prioritize urgent files that are at risk of missing key loan milestones
• Maintain working knowledge of underwriting guidelines and mortgage compliance, while staying current on all GSE updates
• Act as a mentor and coach to our Loan Processors, and provide working solutions to our Loan Officers to improve file quality and salability
• Provide administrative support to the underwriting department on special projects or product development, as needed
• Foster a team environment that is in line with Orchard Values and Culture

We’d Love to Hear From You if You Have:

• 5+ years of experience underwriting conventional 1st mortgage loans
• 2+ years of underwriting appraisals
• 2+ years of underwriting Self Employed borrowers using a cash flow analysis
• A DE from FHA and SARS with VA is required
• Ability to manage and monitor your loan pipeline while working independently
• Strong problem-solving, organizational, and collaboration skills
• Ability to quickly learn new technology systems, and provide critical feedback
• Experience working with Google Suites is helpful
• Excellent communication skills, both written and verbal, in relating to internal and external clients
• Ability to thrive in a fast-paced, high production environment

#LI-remote

Orchard is proud to be an equal opportunity employer. We provide employment opportunities without regard to age, race, color, ancestry, national origin, religion, disability, sex, gender identity or expression, sexual orientation, veteran status, or any other protected status in accordance with applicable law.

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