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Sr. Underwriter & Program Manager

Company: Capital Alliance
Location: San Rafael
Posted on: February 22, 2021

Job Description:

Company Overview: Life Happens! Capital Alliance, LLC is a boutique mortgage marketplace and lender, specializing in structuring loans for real people with real lives (and often really interesting stories)! Our area of expertise is in non-qualified mortgages, investor, bridge loans, fix 'n flip and jumbo prime products -- pretty much any non-agency loan for 1-4 residential unit loans. Our team listens and looks beyond the numbers that elsewhere disqualify people from loans and we help folks achieve their goals through tailor-made loan packages that are impactful and fair. This business is about creatively helping people make dreams a reality and it's rewarding and fun!Our small team is growing and the right person in this role will learn new skills, take on additional responsibilities and grow their career. We seek a smart, energetic, fun, team player for a career with a fast-growing, dynamic, mortgage lending company.This position can be remote/work-from-home or on-site, although the ideal candidate would be able to periodically travel to our downtown San Rafael location (approximately 15 miles north of San Francisco) once it is safe to do so.--We are open to a flex schedule; we know that a person's best work is sometimes done in the quiet hours of the morning or in the evenings after the day's hustle and bustle has passed. However, a bulk of the person's workday needs to be conducted during west coast business hours.We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, pregnancy, age, national origin, disability status, genetic information, protected veteran status, or any other characteristic protected by law and common human decency.Key Job Responsibilities:* Primary responsibility is to underwrite Non Agency loans, with an emphasis on Prime Jumbo, NonQM, Investor/DSCR and portfolio/private money loan products* Analyze appraisal, income, asset and employment source documents. Review submitted loan file data and documents for adherence to investor and lender policies* Perform mortgage credit analysis to determine borrower's ability to pay* Review fraud reports and title document system as required, complete checklists and summaries* Maintain up to date knowledge of secondary market guidelines to verify data against documentation for income, assets, credit, and property.* Upload loans and necessary conditions to investor if loan requires prior approval by Investor.* Ensure that loans always adhere to the law and compliance requirements; keep current and incorporate rules and regulations changes as needed* Maintain service level objectives and deliver results with accuracy and speed* Forge trusted relationships across our network and at all levels of the organization* Provide stellar customer service to stakeholders, including the sales team and processors to ensure that complete, qualifying loans move quickly through the pipeline* Be responsible, organized, communicative and collaborative* Work with the best interest of the borrower in mind* Think through and provide input into systems/process design and improvements* Be ready to train others (this role may quickly evolve into a people management role, leading a small processing and underwriting team)* Participate in the development and evangelization of proprietary underwriting guidelines for Capital Alliance's productsExperience:7+ years' experience in manually underwriting non-agency and jumbo loansBasic Skills:Computers and Electronics - Facility with mortgage lending computer software such as Encompass LOS (Banker's Edition), MS Office Suite of Products (Excel, Teams, Word, Sharepoint, Powerpoint), CRM databases, and Electronic Signature documents.English Language Skills - Excellent verbal and written professional communication skills.--Fluency in non-English languages is a PLUS!Strong Analytical and Problem-Solving skills - Analyze (sometimes complex) financial documents, make credit recommendations and assess credit worthiness of a borrower or borrowersLender Compliance Law - In-depth understanding of relevant lending rules and regulations.Other Success Characteristics:Active Learner - You seek to understand the business holistically and the implications of new information for both current and future problem-solving and decision-making.Teamwork - You collaborate well with others through listening, learning, supporting and being generous in sharing your own knowledge. You take time to understand different points of view. Ask appropriate questions and, at all times, are respectful.Adaptable and Agile - You are always ready to shift gears and direction as information comes in and priorities change.Tech-forward mindset - You are open to evolving processes and systems to leverage technology to increase efficiency and enhance stakeholder experiencesSelf-Directed Operator - You are able to independently drive work forwardEducation:High School Diploma (or GED or High School Equivalence Certificate) + Some College + demonstrated track record of success, drive and experience is required.--A Bachelor's degree (or above) is preferred. Underwriting certification preferred.

Keywords: Capital Alliance, San Rafael , Sr. Underwriter & Program Manager, Executive , San Rafael, California

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