Underwriter, Sr. (Retail

Responsible for underwriting loans for successful transaction and sale. Ensures the performance of all duties in accordance with the company’s policies and procedures, all U.S. state and federal laws and regulations, wherein the company operates.

• Underwrites 4 – 6 Conventional, USDA, FHA, and VA loans within company, investor, and industry guidelines per day with a standard turnaround time of 24 - 48 hours.
• Maintains a current knowledge of loan programs.
• Analyzes and issues credit decisions. Reviews and makes informed decisions on financial statements, credit reports and applicable ratios (i.e., DTI and LTV).
• Analyzes risk appropriately by assessing property information including: purchase contract, escrow instructions, and preliminary title report.
• Evaluates/examines transactions to ensure accuracy and completeness. Ensures documents are consistent and compliant. Identifies red flags on documentation.
• Assists with renegotiation of loans based on lending guidelines.
• Gathers information from agency materials to make appropriate decisions. Assigns and signs off on appropriate loan conditions.
• Assists Processing Department with problematic files to expedite submissions.
• Effectively explains rationale behind credit decision to internal customers and/or auditors.
• Answers program guideline and borrower qualification questions from loan consultants and processors.
• Communicates effectively with internal staff to maintain high level of customer service.

• High School Degree or equivalent required and a minimum of six (6) + years of successful professional experience within the mortgage lending industry preferred.
• Bachelor’s Degree preferred.
• Minimum of three (3) + years of successful Conventional, FHA, and VA underwriting experience required.
• Valid and current FHA Direct Endorsement (DE) certification required and SAR certification preferred.
• Proficiency in Desktop Underwriter (DU) and Loan Prospector (LP) Programs required.

• Aggressive compensation package based on experience and skill set.
• Inclusive, diverse, and collaborative culture where people from all backgrounds can thrive.
• Work with other passionate, purposeful, and customer‑centric people.
• Extensive internal growth and professional development opportunities including tuition reimbursement.
• Wellness program to support both mental and physical health.
• Generous paid time off for both exempt and non‑exempt positions.

loan Depot (NYSE: LDI) is a digital commerce company committed to serving its customers throughout the home ownership journey. Since its launch in 2010, loan Depot has revolutionized the mortgage industry with a digital‑first approach that makes it easier, faster, and less stressful to purchase or refinance a home. Today, as the nation's second largest non‑bank retail mortgage lender, loan Depot enables customers to achieve the American dream of home ownership through a broad suite of lending and real estate services that simplify one of life's most complex transactions.

With headquarters in Southern California and offices nationwide, loan Depot is committed to serving the communities in which its team lives and works through a variety of local, regional, and national philanthropic efforts.

Base pay is one part of our compensation package and is determined within a range. This provides the opportunity to progress as you grow and develop within a role. The base pay for this role is between $33.17 and $58.17. Your base pay will depends on multiple individualized factors, including your job related knowledge/skills, qualifications, experience, and market location.

We are an equal opportunity employer and value diversity in our company. We do not discriminate based on race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status.