Mortgage Loan Underwriter (HELOC)

Location: Hybrid in Tempe, Arizona; candidates must reside in the greater Phoenix area. The role is 90% work from home with 1–3 days per month in the Tempe office.

Company

hirify.global is a digital personal finance company providing personalized financial solutions such as personal loans, home equity loans, debt consolidation, financial tools, and education.

What you will do

• Evaluate mortgage and HELOC applications, borrower creditworthiness, income, employment, assets, and collateral.
• Analyze personal and business tax returns, including corporate, S corporation, and partnership returns, and prepare self-employed borrower analyses.
• Review AVM, PICR, 1004, and 1025 appraisals to confirm compliance with loan-type standards and market value conclusions.
• Review third-party services, resolve conflicting information with vendors, and address appraisal issues.
• Approve or deny loan requests using home loan underwriting guidelines and investor criteria, documenting decisions and completing adverse action notices when required.
• Monitor Regulation B compliance, meet departmental SLAs, follow underwriting procedures, and respond to audit issues.

Requirements

• 3–5 years of home loan underwriting experience for UW II or more than 5 years for UW III, including first mortgage products and HELOCs.
• Experience verifying self-employment and analyzing self-employed income.
• Strong income calculation and credit review skills.
• Ability to work independently and cross-functionally in a fast-paced, high-volume mortgage environment.
• Strong communication, prioritization, multitasking, deadline-management, and goal-hirify.globalment skills.
• Adaptability, openness to feedback, and a continual desire to improve.

Culture & Benefits

• Hybrid and remote work opportunities within the United States.
• 401(k) with employer match.
• Medical, dental, and vision coverage with HSA and FSA options.
• Vacation, sick time, and dedicated volunteer days.
• Wellness support, education expense reimbursement of up to $5,250, pet care discounts, and hardship assistance.
• Employee resource groups and a commitment to diversity and inclusion.