The OpportunityThe Underwriter III is responsible for underwriting complex Non-QM and DSCR investor loans, exercising advanced independent judgment, and approving guideline exceptions when appropriate. In addition to managing a personal pipeline, this role provides guidance and support to other underwriters and helps ensure consistency, compliance, and excellence across the underwriting function.What You'll DoManage a pipeline of complex loan files, reviewing documentation to determine borrower eligibility and mitigate fraud riskIndependently complete underwriting decisions in accordance with company standards, investor guidelines, and regulatory requirementsEvaluate and document Enhanced Review requests, including clearly articulated rationale for approved exceptionsServe as a subject matter expert on underwriting guidelines, SOPs, and investor requirementsProvide guidance, technical support, and mentorship to underwriting team membersEnsure loans meet compliance standards and are marketable for investorsEvaluate borrower creditworthiness, collateral, and repayment capacityConfirm all lending conditions are satisfied prior to closingMaintain acceptable turnaround times and SLAs while managing complex filesDeliver exceptional customer service to internal teams and external partnersCollaborate cross-functionally to improve workflows, efficiency, and loan qualityPerform other duties as assigned based on business needsAuthorized Remote Locations: AL, AR, AZ, FL, GA, IL, IN, KS, KY, LA, NC, SC, TX, UTWork Schedule: Monday - Friday: 8:30 am - 5:30 pm CSTSalary Range$38.85 - $53.02/hr (Non-Exempt/Hourly/Overtime Eligible)What We Are Looking For5+ years of mortgage underwriting experience, with deep expertise in Non-QM loansAdvanced manual underwriting skills and independent decision-making abilityProven ability to manage time-sensitive, high-complexity loan filesStrong initiative, reliability, and commitment to quality and team successTechnology-savvy with experience working across multiple underwriting systemsExcellent written and verbal communication skillsCompletion of all required training by designated deadlinesHigh School Diploma or GED requiredInternal Applicants: Must meet minimum qualifications and have no recent disciplinary actionsWhat We Prefer to FindSomeone with experience with Non-QM LoansSomeone with experience with underwriting DSCR loansSomeone with an Associate and/or bachelor’s degree in business or a related industry area majorSomeone with experience with Calyx Point and SalesForceAbout Visio LendingVisio Lending is the nation’s leader in rental home financing. Founded in 2012 in Austin, Texas, Visio enables small- to medium- sized investors to grow their rental home, vacation rental, and small balance commercial portfolios. Headquartered in Austin, Texas, since late 2015, Visio has financed more than $1 billion in Rental360 loans. With more than $400 million in capital onboard, a proven record of investment grade bond issuance on Wall Street, and an outstanding 100+ team, Visio is poised for continued success.Why We Love Working at VisioWe at Visio are passionate about working together towards our goals to continually push this company forward. We innovate, collaborate, celebrate team successes, and recognize individual accomplishments. At Visio Lending, you’ll work on meaningful initiatives that directly support real estate investors nationwide. We offer a collaborative culture, growth opportunities, and flexibility with remote or hybrid work options.How to Apply?To be considered for employment, please submit your application online. While we appreciate all the interest we receive, only candidates selected for phone screening, or an interview will be contacted directly. You will receive application status alerts via email so make sure your email address is accurate.Note Incomplete applications will not be considered. Unanswered application questions or responses indicating see resume will be considered incomplete and you will be removed from consideration.Visio Financial Services, Inc. is an Equal Opportunity Employer
