Underwriting Specialist (Fintech)

TL;DR

Underwriting Specialist (Fintech): Reviewing and underwriting complex loan applications for blockchain-enabled consumer finance products with an accent on regulatory compliance, financial analysis, and specialized borrower scenarios. Focus on evaluating self-employed borrowers, trusts, LLCs, powers of attorney, and DSCR loans while improving underwriting guidelines, accuracy, and operational efficiency.

Location: Hybrid role in Charlotte, North Carolina, United States. Work visa sponsorship is not available; employment requires verification of eligibility to work in the United States.

Salary: $37.21–$41.35 per hour, plus a 25% annual bonus target paid quarterly.

Company

hirify.global is a fintech company using blockchain and AI-driven automation to develop consumer finance and capital markets products, including home equity lending and tokenized financial products.

What you will do

• Review and underwrite loan applications according to company policies, investor guidelines, and applicable regulations.
• Evaluate complex financial documentation, including tax returns, income statements, business records, credit, collateral, and income verification.
• Apply underwriting guidelines for self-employed borrowers, trusts, LLCs, powers of attorney, and DSCR loans.
• Collaborate with operations, product, legal, credit, and underwriting teams to resolve issues and improve loan processing.
• Monitor underwriting accuracy, efficiency, and compliance metrics while refining procedures for new loan products.
• Support training materials, compliance documentation, loan repurchase responses, and resolution of underwriting deficiencies.

Requirements

• 3+ years of underwriting experience with conventional, portfolio, and special program loans.
• Expertise in underwriting self-employed borrowers, trusts, LLCs, powers of attorney, and DSCR scenarios.
• Knowledge of federal and state regulations, including CFPB, FHA, and VA requirements.
• Experience with underwriting systems such as DU and LP, plus Google Workspace and/or Microsoft Office.
• Ability to analyze financial data, make independent underwriting decisions, manage multiple priorities, and collaborate across teams.
• Bachelor’s degree in Business, Finance, or a related field is preferred; security policies and mandatory security training must be followed.

Nice to have

• Bachelor’s degree in Business, Finance, or a related field.
• Experience working in a dynamic, startup-like environment.

Culture & Benefits

• Hybrid work environment in Charlotte.
• Medical, dental, and vision coverage, with fully employer-paid premiums on select plans.
• HSA, FSA, dependent-care FSA, 401(k), commuter benefits, and employer-paid life and disability insurance.
• 11 observed holidays, paid time off, and up to 12 weeks of paid family leave.
• Continuing education reimbursement.