**About the Role**
**Key ResponsibilitiesLoan Evaluation & Risk Assessment**
- Assess borrower risk and determine creditworthiness based on Champions Funding’s underwriting guidelines.
- Ensure proper income calculations, asset verification, and property valuation analysis.
**Compliance & Documentation**
- Ensure all underwriting decisions comply with **federal and state regulations**, as well as internal lending policies.
- Identify and flag any **fraud risks, inconsistencies, or red flags** in borrower documentation.
- Maintain **detailed loan file documentation** for audits and internal reviews.
**Collaboration & Communication**
- Work closely with Account Managers, Loan Processors, and Brokers to facilitate the loan approval process.
- Clearly communicate **underwriting decisions**, including conditions for loan approvals.
- Assist in resolving **escalations and loan exceptions**, coordinating with senior leadership when needed.
**Process Optimization**
- Continuously seek opportunities to **streamline underwriting workflows** for efficiency and accuracy.
- Provide feedback on underwriting guidelines and suggest updates based on industry trends and risk analysis.
- Stay up-to-date with **non-QM lending practices** and regulatory changes.
**What We're Looking ForExperience & Knowledge**
- **Minimum 1 year of mortgage underwriting experience OR 2 years of mortgage loan processing experience, preferably in non-QM lending.**:
- Strong knowledge of **lending regulations**, including **ATR/QM and non-QM loan structures**.
- Experience using **loan origination systems (LOS)** and **automated underwriting systems (AUS)**.
**Skills & Competencies**
- Excellent **analytical and problem-solving** skills.
- Strong **attention to detail and accuracy** in financial assessment.
- Ability to **manage multiple loan files** while maintaining turnaround times.
- Effective **verbal and written communication** skills for broker and internal team interactions.
**Performance Expectations**
- **Turnaround Time**: Complete initial underwriting decisions **within 48 hours** of loan submission.
- **Condition Reviews**: Respond to loan condition reviews **within 24 hours**.
- **Loan Quality**: Maintain an **accuracy rate of 95% or higher** on underwriting decisions.
- **Customer Satisfaction**: Provide **timely and professional** communication to brokers and internal teams.
**What You'll Gain**
- **Professional Development**: Ongoing training in **non-QM lending practices** and underwriting strategies.
- **Career Growth**: Opportunities for advancement within the underwriting team.
- **Competitive Compensation**: Base salary of **$22,000 - $28,000 MXN**, plus a **monthly performance bonus** (20% of salary).
- **Benefits Package**:
- **Private Medical Insurance (SGMM)**:
- **Personal vacation days per Mexican labor law**:
- **25% vacation premium**:
- **30 days Aguinaldo (Christmas Bonus)**:
- **$1,000 MXN per month in grocery vouchers**
**Tools & Workflows**
- **Review and clear conditions** submitted by brokers or processors.
- **Handle loan escalations & exceptions**, providing alternative structuring options when applicable.
**Why Join Us?**
Champions Funding LLC is a **fast-growing** company at the forefront of **non-QM mortgage lending**. We value **precision, efficiency, and customer success**, offering innovative solutions to support **underserved borrowers**. Join a team where your expertise makes a difference!
Pay: $22,000.00 - $28,000.00 per month
**Experience**:
- US mortgage: 2 years (required)
**Language**:
- English (required)
Work Location: In person
Expected Start Date: 03/03/2025