**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,****** - $28,****** per month**Experience**:- US mortgage: 2 years (required)**Language**:- English (required)Work Location: In personExpected Start Date: 03/03/2025

📌 Non-Qm Mortgage Underwriter (Mazatlán)
🏢 nuDesk
📍 Mazatlán