Mortgage Underwriter (Fintech)

Location: Hybrid or remote within the United States; hybrid locations include Palo Alto, CA, New York City, NY, and Phoenix, AZ.

Company

hirify.global builds a vertically integrated mortgage platform that turns mortgage origination into an API-driven process for major originators and financial institutions.

What you will do

• Underwrite residential mortgage files across Conventional, Jumbo, Non-QM, and Government products, reviewing credit, income, assets, and collateral against applicable guidelines.
• Issue accurate underwriting conditions and clear them promptly to reduce reconditioning and unnecessary submission turns.
• Conduct second-level reviews, handle exceptions, and manage escalations to support quality control.
• Assess and improve underwriting systems for smooth file flow, regulatory compliance, quality, and efficiency.
• Act as a mortgage underwriting subject matter expert and provide hands-on feedback to product and engineering teams.
• Oversee third-party fulfillment partners and collaborate with internal teams to improve the fulfillment infrastructure.

Requirements

• 3+ years of underwriting experience across diverse loan types, including Conventional, Jumbo, Non-QM, and Government loans for both purchase and refinance transactions.
• Expert-level knowledge of the full mortgage lending process and detailed underwriting requirements.
• Comprehensive understanding of federal, state, and regulatory guidelines for residential mortgage lending.
• Ability to operate in a highly regulated industry with a compliance-first approach while optimizing performance.
• Ability to oversee third-party fulfillment partners and drive high-quality, on-time originations.
• Ability to identify issues, document long-term solutions, manage temporary manual workarounds, and support a scalable software-first approach.
• Strong judgment, principled opinions, and willingness to defend decisions through vigorous discussion and debate.

Nice to have

• Experience working with mortgage products in a fintech environment.

Culture & Benefits

• Full-time role on the Platform team with hybrid and remote work options in the United States.
• Work in a fast-moving environment with high ownership, direct debate, and a strong focus on delivering outcomes.
• Contribute to a software-first mortgage platform designed to automate underwriting while maintaining rigorous oversight.