loanDepot Visa Sponsorship USA

Position Summary:
Responsible for performing a detailed review of mortgage documentation to ensure the loans meet applicable guidelines. Detailed review will include reviewing all documentation including but not limited to credit reports, income documentation, asset documentation, collateral, and other applicable documentation as required to render a decision consistent with internal policies and investor guidelines. Ensures the performance of all duties in accordance with the company’s policies and procedures, all U.S. state and federal laws and regulations, wherein the company operates.

Responsibilities:
- Underwrites various loan products, within designated lending authority levels, to company, investor, and/or industry guidelines.
- Reviews and analyzes documentation provided on each loan including but not limited to the 1003, credit report, income and asset documentation, purchase agreement, title report, etc. to make an informed lending decision in compliance with company policies and guidelines.
- Documents lending decisions and completes required screens in the company’s system of record, to include the accurate completion of the various forms as required, as well as adding and/or creating applicable conditions of the loan approval.
- Reviews conditions submitted on loans and signs off on the condition(s) when appropriate.
- Effectively explains rationale behind credit decision as necessary.
- Works closely with various internal team members to answer loan-specific underwriting questions, discuss specific conditions or documentation requested, and resolve problems as necessary.
- Runs, reads, and interprets Automated Underwriting Decision Results (such as Desktop Underwriter/Loan Prospector or other proprietary systems).
- Mentors and performs Second Sign reviews for as necessary.
- Provides active feedback to senior management on various topics, including methods of continual process improvement.

Requirements:
- Bachelor’s Degree preferred and a minimum of two (2) + years’ experience working in a similar field.
- Non-QM underwriting experience required.
- Current FHA and VA certification preferred.

Why work for #teamloanDepot:
- Aggressive compensation package based on experience and skill set.
- Inclusive, diverse, and collaborative culture where people from all backgrounds can thrive.
- Work with other passionate, purposeful, and customer-centric people.
- Extensive internal growth and professional development opportunities including tuition reimbursement.
- Comprehensive benefits package including Medical/Dental/Vision.
- Wellness program to support both mental and physical health.
- Generous paid time off for both exempt and non-exempt positions.

About loanDepot:
loanDepot (NYSE: LDI) is a digital commerce company committed to serving its customers throughout the home ownership journey. Since its launch in 2010, loanDepot has revolutionized the mortgage industry with a digital-first approach that makes it easier, faster, and less stressful to purchase or refinance a home. Today, loanDepot enables customers to achieve the American dream of homeownership through a broad suite of lending and real estate services that simplify one of life's most complex transactions. With headquarters in Southern California and offices nationwide, loanDepot is committed to serving the communities in which its team lives and works through a variety of local, regional, and national philanthropic efforts.

Base pay is one part of our total compensation package and is determined within a range. This provides the opportunity to progress as you grow and develop within a role. The base pay for this role is between $35.58 and $62.26/hr. Your base pay will depend on multiple individualized factors, including your job-related knowledge/skills, qualifications, experience, and market location.

We are an equal opportunity employer and value diversity in our company. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.