Mortgage Underwriter II/III (Fintech)

TL;DR

Mortgage Underwriter II/III (Fintech): Evaluating loan applications and borrowers' creditworthiness for home equity lines of credit (HELOC) with an accent on income calculation, collateral review, and regulatory compliance. Focus on analyzing complex tax returns for self-employed borrowers and ensuring high-quality underwriting decisions.

Location: Hybrid (90% WFH, 1-3 days per month in Tempe office). Candidates must reside in the greater Phoenix area.

Company

hirify.global is a leading digital personal finance company that provides personalized financial solutions, including personal and home equity loans, leveraging proprietary data and analytics.

What you will do

• Evaluate loan applications and assess borrowers' creditworthiness while adhering to departmental SLAs.
• Verify income and employment, review credit history, and calculate the value of borrowers' collateral and assets.
• Analyze personal and business income tax returns to prepare Self-Employed Analysis for mortgage qualification.
• Review appraisals (AVM, PICR, 1004, 1025) to confirm they meet loan standards and support market value.
• Approve or deny loan requests based on home loan underwriting guidelines and investor criteria.
• Monitor Regulation B compliance and document reasons for approval or denial via adverse action notices.

Requirements

• 3-5 years (UW II) or 5+ years (UW III) of underwriting experience in home loans, including 1st mortgage products and HELOCs.
• Must reside in the greater Phoenix area.
• Proven experience with self-employment verification and advanced income calculation.
• Ability to thrive in a fast-paced, high-volume mortgage environment.
• Strong communication skills and the ability to work effectively with cross-functional teams.

Culture & Benefits

• Hybrid work model with significant work-from-home flexibility.
• 401(k) plan with employer matching.
• Comprehensive medical, dental, and vision insurance with HSA and FSA options.
• Competitive vacation and sick time, plus dedicated volunteer days.
• Up to $5,250 in reimbursement for eligible education expenses.
• Wellness support via Employee Assistance Program, Talkspace, and fitness discounts.