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Posted 7 months ago
Requirements and responsibilities
Company OverviewBetter is reimagining home finance and making it faster, cheaper, and easier for everyone to become a homeowner. We leverage creative technology and innovation to make the home buying journey more approachable and understandable and home finance more affordable and accessible.Here are some interesting facts to help you get to know Better:We’ve funded over $100 billion in loans for our customers, more than any other fintechYahoo! Finance - Best Mortgage Lender for First Time Homebuyers of January 2025: Best lender for quick approvalYahoo! Finance - Best Mortgage Lenders of 2025: Best online mortgage lenderFintech Breakthrough Award: Best Lending Innovation AwardMoney Magazine - 8 Best Mortgage Lenders of 2025: Best for fast closingWe are Forbes’ Best Online Mortgage Lender for 2023We have raised over $1.2 billion in equity capital to transform the mortgage industry, the largest financial asset class in the worldWe are a place where smart, hungry, ambitious people who want to recognize their full potential thrive.A Better OpportunityBetter is seeking a Mortgage Underwriter to join our growing team! In this role, you’ll use established underwriting guidelines to assess borrower financials and credit information alongside property valuations to guide lending decisions. As an Underwriter, your responsibility will be to make informed, yet bold risk decisions based on your expertise and experience. You’ll collaborate closely with the production team throughout the loan process to ensure seamless and timely closings. This position offers a unique opportunity to take on various roles, from reimagining the complex mortgage process, analyzing data for maximum impact, to working with skilled engineers and industry experts to tackle technical and operational challenges.ResponsibilitiesUnderwrite and decision agency conforming and jumbo residential mortgage loansVerify and analyze all necessary financial information and documentation; ensure that loan files contain all necessary credit and legal documentsReview appraisal reports to identify and resolve any discrepancies discovered withinConduct thorough analysis of applicant's income and expense data, asset documentation, credit reports, and property valuations to confirm loan eligibilityCalculate qualifying ratios, assess creditworthiness, and provide risk assessmentsWork closely and effectively with cross-functional teams and departments on a daily basisQualificationsMust be located in Irving, Texas area3+ years of recent experience underwriting FNMA and FHLMC mortgagesExpert knowledge of Desktop Underwriter (DU) & Loan Prospector/Loan Product Advisor (LP/LPA)Ability to work well in a high pressure, fast paced environmentMust be able to carry a pipeline of 200+ loansAbility to carry out requisite loan calculations (DTI, LTV, etc.)Proven ability to thrive in a remote settingManage multiple loan files simultaneously in a high-volume settingStrong written and verbal communicationThe drive to build something newHELOC & Non-Conforming experience a plusExcellent attention to detail, the ability to work efficiently under pressure, and a deep understanding of loan processes are essential in this roleCompany BenefitsBenefits eligibility effective DAY ONE$0 medical plan premium offering coverage nationwide paired with our Health Savings Account that includes an employer contributionFlexible PTOImmediate virtual mental health support by licensed therapists for our employees and their eligible dependents age 6 and up First few visits at no cost to youPersonalized care for every fertility and family care journey for our employees and their partnerDependent care benefits i.e. childcare and/or elder care costs and commuter benefits both include a company matchDiscount programs and perks including pet InsuranceThe compensation offered for this role will be based on multiple factors such as location, the role’s scope and complexity, and the candidate’s experience and expertise, and may vary from the range provided.DisclaimerBetter Home and Finance Holding Company is an equal opportunity employer committed to fostering an inclusive and diverse environment for our employees. We are committed to equal employment opportunities regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity or Veteran status, or any other reason protected by law.We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. Better will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation.AI DisclaimerWe may use artificial intelligence AI tools to support parts of the hiring process, such as reviewing applications, analyzing resumes, or assessing responses. These tools assist our recruitment team but do not replace human judgment. Final hiring decisions are ultimately made by humans. If you would like more information about how your data is processed, please contact us.ApplyApply for this job
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