Non-QM Credit Risk Underwriter
Champions Funding LLC
Date: 19 hours ago
City: Gilbert, AZ
Contract type: Full time
Remote
Description
- Review and analyze credit applications, financial statements, and credit reports to determine borrower risk profiles.
- Assess risk related to income, assets, collateral, and credit history across various lending products.
- Apply internal credit risk policies and investor guidelines to underwrite loan applications with accuracy and consistency.
- Collaborate with Account Executives and Account Managers to gather documentation and clarify broker scenarios.
- Make credit decisions and issue conditional loan approvals, suspensions, or denials with clear rationale.
- Identify and escalate high-risk files or exceptions for further review or senior credit approval.
- Contribute to credit risk reporting and performance monitoring by documenting findings and trends.
- Stay current on credit risk management best practices, industry trends, and regulatory updates.
- Support audits, quality control reviews, and internal policy updates as needed.
- Maintain turnaround time targets while delivering high-quality credit decisions.
- Review loans for second level review that have been recommended for denial.
- Complete PFQC on loans in process to ensure quality.
- 3+ years of experience in credit risk underwriting within consumer or mortgage lending.
- Strong understanding of credit analysis, income documentation, debt-to-income calculations, and collateral evaluation.
- Familiarity with credit risk frameworks, regulatory guidelines (e.g., Dodd-Frank, ECOA), and investor requirements.
- Experience with underwriting tools and loan origination systems (LOS), such as Encompass, Meridian Link, or similar platforms.
- Proven ability to make sound risk-based decisions with strong attention to detail.
- Excellent written and verbal communication skills, with the ability to clearly articulate credit decisions.
- Ability to thrive in a fast-paced environment and manage competing priorities.
- Commitment to responsible lending, regulatory compliance, and operational excellence.
How to apply
To apply for this job you need to authorize on our website. If you don't have an account yet, please register.
Post a resumeSimilar jobs
Assistant Teacher
Specialized Education Services, Inc.,
Gilbert, AZ
1 week ago
Company OverviewShine on as an assistant teacher.Specialized Education Services, Inc. (SESI), a division of FullBloom, is a premier provider of education services for K-12 students who require additional supports to overcome challenges that impede success in a traditional school setting. SESI partners with school districts to run in-district classrooms and standalone schools that meet the academic, behavioral, and social-emotional needs...
RN - Oncology in Gilbert, Arizona - $2,461/week
Medical Park Diagnostic,
Gilbert, AZ
1 week ago
Seeking an RN - Oncology for a 13-week travel assignment in Gilbert, AZ, starting ASAP. The role involves 12-hour shifts, 3 days a week, with a requirement of 2 years of experience, BLS, and necessary certifications.Must live within 60 miles of the facility to qualify for the travel rate.Weekly gross pay is $2,461, including $1,723 wages and a $738 stipend.Benefits...
Credit and Collections Analyst
Amrize,
Gilbert, AZ
2 weeks ago
About The RoleResponsible for the review and processing of customer credit requests for an assigned customer portfolio. Engages in persistent collection programs while maintaining positive customer relations. Responsible for compiling and analyzing financial information on new and existing customers to maximize sales and to limit the risk of bad debt loss.What You'll AccomplishDemonstrates a commitment to communicating, improving and adhering...
