Jr. Underwriter (Fintech)

Location: Onsite at hirify.global HQ in San Diego, California, United States

Salary: $19.00–$29.00 per hour, plus eligible discretionary annual cash and restricted stock unit bonus targets of 10% each.

Company

Axos delivers technology-driven financial tools and services for individuals, small businesses, and companies and is publicly traded through Axos Financial.

What you will do

• Analyze residential loan applications, borrower income, assets, liabilities, credit, and related factors.
• Review application packages and trailing documentation for completeness, conformity, and compliance with lending policies and underwriting guidelines.
• Identify additional documentation requirements and clear outstanding underwriting conditions through loan closing.
• Review collateral documentation and appraisals while monitoring loans in process for timely completion.
• Apply lending policies, loan-to-value parameters, packaging requirements, BSA, BPA, Right to Financial Privacy, and fair-lending standards.
• Communicate effectively with internal and external customers and provide timely service.

Requirements

• Bachelor’s degree or at least 2 years of experience in residential lending.
• Knowledge of lending practices, procedures, loan documentation requirements, and general industry lending practices.
• Ability to perform accurate mathematical calculations and analyses.
• Ability to retain confidential information and maintain a high level of professionalism.
• Effective written and verbal communication skills with internal and external customers.
• Ability to organize and prioritize tasks, manage workflow, and multitask.
• Ability to work productively in a fast-paced environment, collaborate as a team player, and operate with minimal supervision.

Nice to have

• Knowledge of PC Lender or Mortgage Director systems.

Culture & Benefits

• Full-time onsite work with medical, dental, vision, and life insurance options.
• Paid sick leave, three weeks of vacation, and approximately 11 holidays per year.
• HSA or FSA accounts and other voluntary benefits.
• 401(k) retirement savings plan with employer match and a 529 savings plan.
• Employee mortgage loan program and free access to an hirify.global account with self-directed trading.
• Employment is contingent on passing credit, criminal background, and pre-employment drug screening, including marijuana screening; E-Verify and U.S. work authorization requirements apply.