Experienced Underwriter - Residential Mortgage Lending | Kiavi | $60k-$90k | Remote (US) - Join a Team Revolutionizing Real Estate Investment

About Kiavi

Kiavi, formerly known as LendingHome, is a pioneering private lender dedicated to providing residential real estate investors (REIs) with streamlined access to capital. By harnessing the power of data and technology, we offer a simpler, more reliable, and faster way for REIs to scale their businesses. Our mission is to revitalize the approximately $25 trillion worth of aged U.S. housing stock, providing move-in ready homes and rental housing for millions of Americans across the country.

Awards and Recognition

Kiavi has received numerous accolades, including:

• Forbes Fintech 50
• Finovate Awards
• Best Digital Mortgage Platform
• Fast Company's Most Innovative Companies
• 2023 HW Tech100 Winner

Our Impact

Our achievements include:

• $18+ billion in loans funded
• 71,000+ projects funded for our customers across the country
• Lending in 31 states + D.C.
• Over 400 employees with competitive benefits and perks

The Role

We are seeking an experienced Underwriter to join our team. As an Underwriter, you will be responsible for managing loans through final credit approval, working closely with Sales, Loan Analysts, closers/funders, and valuation analysts. You will need to possess a deep understanding of residential lending programs and practices, as well as the ability to partner with sales and processing to move loans efficiently through the pipeline.

Key Responsibilities

• Underwrite multiple mortgage loan products in compliance with company credit guidelines and regulatory requirements
• Review loan files for completeness, identify missing documentation, and generate condition lists for applicants
• Collaborate with the loan analyst and salesperson to complete credit analysis in a timely manner
• Ensure accurate data entry into the loan origination system
• Review and own all loan file details prior to submission to the closing manager, including work done by upstream partners
• Work with loan analysts and closers to ensure a smooth hand-off of files
• Manage constant deal flow, prioritize tasks, and ensure loans close on time with a high degree of accuracy
• Identify and report suspected fraudulent activity, escalating issues to management when necessary
• Stay up-to-date with company policies, procedures, and federal and state regulatory changes through in-house training events
• Proficiently manage pipeline activities

Qualifications

Essential Qualifications

• Bachelor's Degree or relative experience
• 3+ years of residential mortgage lending experience with good knowledge of lending regulations and credit/collateral analysis practices
• Underwriting or processing experience with fix & flip hard money loans is a plus

Preferred Skills and Abilities

• Strong written and verbal communication skills
• Ability to adapt to a fast-paced and constantly changing business environment
• Intermediate-level PC proficiency
• Comfortable with new technology systems and paperless environments
• Demonstrated ability to work in a team-oriented environment and provide good customer service

Career Growth Opportunities and Learning Benefits

At Kiavi, we prioritize the growth and development of our employees. We offer:

• Competitive salary and benefits package
• Opportunities for professional growth and career advancement
• Comprehensive training programs to enhance your skills and knowledge
• A collaborative and dynamic work environment that encourages innovation and creativity

Work Environment and Company Culture

Our company culture is built on the principles of innovation, teamwork, and customer satisfaction. We offer:

• A remote work policy that supports work-life balance
• A one-time office setup reimbursement of up to $500 and a monthly $75 stipend for internet and phone expenses
• A flexible time-off policy with no strict limits
• Paid leaves, including up to 8 weeks of paid leave for medical or caregiver purposes and 12 weeks of paid maternity/paternity leave

Compensation, Perks, and Benefits

We offer a comprehensive compensation package, including:

• Expected annualized base pay range: $60,000 to $90,000
• $9,000 bonus
• Medical, Dental, and Vision Insurance: free employee-only coverage and heavily discounted premium for dependents
• Health Savings Account (HSA): annual employer contribution of $500 for individual coverage and $1,000 for dependents
• Disability and Life Insurance: immediate access to short-term and long-term disability insurance, group life, and AD&D insurance
• 401(k) & Company Match: 100% match of contributions up to 3% of compensation or $4,000

Why Join Us?

If you are a motivated and experienced Underwriter looking for a new challenge, we encourage you to apply. At Kiavi, you will have the opportunity to:

• Be part of a team revolutionizing real estate investment
• Work with a cutting-edge technology platform
• Develop your skills and expertise in a dynamic and supportive environment
• Enjoy a comprehensive compensation package and benefits

How to Apply

If you believe you have what it takes to join our team, submit your application without delay. We look forward to hearing from talented candidates like you.