Kiavi is one of the nation’s largest private lenders to residential real estate investors (REIs). We harness the power of data & technology to offer our customers a simpler, more reliable, and faster way to access the capital they need to scale their businesses.
Formerly known as LendingHome, we’re committed to helping REIs revitalize the approximately $25 trillion worth of aged U.S. housing stock to provide move-in ready homes and rental housing for millions of Americans across the country.
Combining our technology and industry expertise, Kiavi has grown to a team of over 400 and has won many awards over the years including Forbes Fintech 50, Finovate Awards, Best Digital Mortgage Platform, Fast Company’s Most Innovative Companies, and many more.
The Role
An Underwriter has superior credit training and excellent organizational skills. Underwriters are responsible for managing the loans through final credit approval including working with Sales, Loan Analyst, closers/funders and valuation analysts. The candidate must possess a working knowledge of residential lending programs and practices with the proven ability to partner with sales and processing to move loans quickly and efficiently through the pipeline. The individual will be expected to provide superior client service to achieve financial objectives. The successful candidate must also be highly self-motivated, entrepreneurial, organized and passionate about growing a business in a team environment.
Responsibilities
Underwrite multiple mortgage loan products in compliance with company credit guidelines and regulatory requirements
Review loan files for completeness, identify missing documentation and generate condition lists for the applicants
Collaborate with the loan analyst and salesperson to complete the credit analysis in a timely manner
Ensure that the correct data is entered into the loan origination system
Responsible for reviewing and owning all loan file details prior to submission to closing manager including work done by all upstream partners
Work with loan analyst and closers to ensure a smooth hand-off of the files occurs
Manage constant deal flow and prioritize to ensure loans close on time with a high degree of accuracy in a deadline-oriented environment
Identify and report any suspected fraudulent activity occurring with any stakeholder and escalate issues to the appropriate management when necessary
Keep abreast of all company policies and procedures as well as federal and state regulatory changes by participating in in-house training events
Qualifications
Education: Bachelor’s Degree or relative experience
Experience: 3+ years residential mortgage lending experience with good knowledge of lending regulations and credit/collateral analysis practices; underwriting or processing fix & flip hard money loans a plus
Skills/Ability: Strong written and verbal communication skills; must be able to adapt well to a fast-paced and constantly changing business environment; PC proficient at the intermediate level; comfortable with new technology systems and paperless environment, demonstrated the ability to work in a team-oriented environment; demonstrated ability to provide good customer service
Kiavi takes a market-based approach to pay, and pay may vary depending on your location. The expected annualized base pay range for this full-time role to be performed remotely is $60,000 to $90,000 + $9,000 bonus + benefits. The range displayed on each job posting reflects the minimum and maximum target for new hire salaries. Within the range, the successful candidate’s starting pay will be determined based on job-related skills, experience, qualifications, work location, and market conditions. Your recruiter can share more about the specific base pay range for your preferred location during the hiring process. Please note that the pay range listed above reflects the base salary only, and does not include the target value of bonus or benefits.
Benefits and Perks
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