Underwriter– Broker (Wholesale Channel)

The role

You will evaluate loan applications and assess borrower creditworthiness for manufactured housing loans. You will work with retail partners to manage files through the pipeline and ensure compliance with lending regulations.

What you will do

• Review loan applications and supporting documentation for manufactured housing loans.
• Assess borrower creditworthiness by analyzing financial statements, tax returns, and employment history.
• Evaluate loan-to-value ratios, debt-to-income ratios, and other key financial indicators.
• Analyze manufactured housing market trends and property valuations.
• Independently underwrite standard loan scenarios in alignment with company guidelines.
• Conduct risk assessments to identify discrepancies or potential fraudulent activity.
• Ensure compliance with lending regulations, internal policies, and underwriting guidelines.
• Prepare underwriting decisions and summaries including recommended loan structures.
• Work with dealers and brokers to offer alternative loan options or counter offers.
• Partner with cross-functional teams to resolve application deficiencies or documentation gaps.

Required qualifications

• Previous experience as a loan underwriter or in a similar role
• Strong knowledge of underwriting guidelines, lending regulations, and compliance requirements specific to manufactured housing loans
• Proficient in analyzing financial statements, credit reports, tax returns, and other relevant financial documents
• Familiarity with loan origination software, underwriting systems, and document management platforms
• Comfortable communicating directly and professionally with external retail partners, including dealers and brokers
• Adaptable to multiple/new technology systems and process change
• Learner mindset with the ability to receive and implement feedback
• Excellent attention to detail and ability to review and interpret complex loan documents accurately
• Strong analytical and problem-solving skills to assess creditworthiness and evaluate risk
• Effective communication skills to convey lending decisions and collaborate with stakeholders
• Ability to work independently in a fast-paced environment and manage a pipeline of files to meet deadlines
• High ethical standards and commitment to maintaining confidentiality and data privacy

Nice to have

• experience with manufactured housing loans and/or dealer, broker, or other indirect lending channels

Benefits

• Competitive salary with potential for annual bonuses and variable pay
• Equity in the company
• Remote work
• Medical, dental, and vision insurance
• Company-subsidized STD, LTD, and life insurance
• Medical and dependent care FSAs
• Training and licensing support
• Paid Time Off
• Wellbeing programs including Headspace, Gympass+, Fetch, Spring Health, SoFi, Perkspot, and Ladder
• Paid parental leave
• No Meeting Wednesdays
• Career growth opportunities

Before you apply

• Applicants should be prepared to potentially meet in person as part of the process
• Company will use E-Verify to confirm employment eligibility
• Only hiring candidates who reside in: Arizona, Connecticut, Florida, Georgia, Illinois, Indiana, Louisiana, Maryland, Michigan, Missouri, Montana, Nebraska, Nevada, New York, North Carolina, Ohio, Okl

About the company

Zippy focuses exclusively on manufactured home loans, offering a seamless, digital experience. Headquartered in Dallas, TX, with an office in Tempe, AZ, Zippy provides home loans and insurance to manufactured home buyers throughout the United States.