Senior Home Lending Underwriter

UpStart

Remote, US
Base: $79,000 - $109,200 usd; bonus/equity: target...
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5+ years residential mortgage underwriting experience
Independent decisioning authority for approvals and declines
Income calculation across w-2 self-employed variable rental profiles
** Upstart is seeking a Senior Home Lending Underwriter to join its remote team, focusing on evaluating loan applications and ensuring adherence to underwriting guidelines. The ideal candidate should have significant underwriting experience, particularly in residential mortgages, and a strong ability to identify fraud risks and validate borrower income. **

Job Summary

  • The team is responsible for evaluating loan applications and making sound, policy-aligned credit decisions while ensuring consistent application of underwriting guidelines.
  • Candidates must accurately calculate and validate borrower income across multiple profiles including W-2, self-employed, variable income, and rental sources to determine repayment ability.
  • Upstart offers competitive compensation including base pay, bonus opportunities, annual equity grants, and a generous 401(k) plan with company matching up to $15,000 per year.

Matching Summary

Match Score: 75

** Upstart is seeking a Senior Home Lending Underwriter to join its remote team, focusing on evaluating loan applications and ensuring adherence to underwriting guidelines. The ideal candidate should have significant underwriting experience, particularly in residential mortgages, and a strong ability to identify fraud risks and validate borrower income. **

Salary

Base: $79,000 - $109,200 USD; Bonus/Equity: Target bonuses and annual equity grants vesting quarterly; Benefits: Medical, dental, vision, 401k match, ESPP, wellness allowance

Skills & Requirements

Must-have

  • 5+ years residential mortgage underwriting experience
  • Independent decisioning authority for approvals and declines
  • Income calculation across W-2 self-employed variable rental profiles
  • Fraud risk identification and escalation protocols
  • LOS system proficiency and full loan documentation review

Nice-to-have

  • HELOC-specific underwriting guidelines and second lien products
  • Experience with fraud detection tools and red flag workflows
  • High-volume underwriting environment with SLA expectations
  • Excel proficiency for income calculation and loan analysis
  • Familiarity with mortgage compliance and regulatory requirements

Key Requirements

  • 5+ years of residential mortgage underwriting experience
  • Demonstrated experience making approval and decline decisions
  • Experience reviewing loan files for fraud risk
  • Proficiency with LOS systems and documentation packages
  • Strong documentation skills for QA/audit review

Work Rights

Not specified

Tailored Resume

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