Jumbo Scenario Desk Sr Underwriter

Join the company defining what it means to be an Impact Lender!Mortgages are what we do, but that doesn't define who we are. In 2008, Movement disrupted the industry with the innovative 6-7-1 mortgage process. In 2023, we pioneered again, helping launch Impact Lending – a new category of lending. Any mortgage lender that commits at least 10% of its profits to helping the neighborhoods it serves is an Impact Lender.At Movement, we are Impact Lenders. We give 40%-50% of our profits to making an impact in our communities. For us, purpose and people have always come before profit.Responsibilities(Duties and responsibilities may include, but are not limited to the following):Responsible for evaluating and assessing the risk of Prime, Jumbo & Non-QM mortgage loan scenarios to ensure they meet company policies, investor guidelines, compliance, and industry regulationsServe as the primary point of contact for the scenario desk, addressing inquiries encompassing a wide range of topics, including:Responding to asset-related questionsClarifying occupancy-related issuesTitle, Appraisal and Insurance questionsProvide upfront Income analysis for the following:Wage/SalarySelf-employmentRSUDSCR calculationsAsset DepletionBank statementOther variable types of IncomeWork with Product development on Program offerings and launchesHandle Investor updatesManage Program matrices and Sales support toolsTraining Sales partners and underwriting department on Investor programsCommunication to Sales/Team members Income analysis resultsLog and track all income review requestsSupport Underwriting, Credit Policy and Product Development with tasks that arise surrounding the scenario desk including (but not limited to):Investor relationsCollaboration with other departmentsAssist Team Lead with tasks that arise surrounding the scenario desk including (but not limited to):Facilitate the preparation of Exception requests received upfront on the inbox to review prior to escalating to Team Lead to ensure loan parameters meet general guideline requirements aside from variance outside guides being requestedHelp develop resource tools to increase productivity and proficiencyTriage and escalate difficult/advanced questions to Team LeadTrain on and increase knowledge of loan programs, to provide additional scenario coverage on desk for the following programs:DSCR (Debt Service Coverage Ratio)Bank statement programsAsset depletion programsNON-QM productsJumbo productsNew products that are rolled out on new Investor loan programsQualifications(To perform the job successfully, the candidate should demonstrate the following competencies to perform the essential functions of this job.)At least 5 years of Prime, Jumbo, NON-QM and Conventional underwriting experienceStrong proficiency in Microsoft Office (Outlook, Word, Excel, One Drive) and Adobe Acrobat, navigating the internet, and generally tech savvy.Knowledge of Investor guidelines and overlaysMeeting company turn times and metricsNavigation of multiple Investor portalsMeticulous with a focus on accuracy, demonstrating extreme attention to detail and critical thinkingDemonstrate a history of effective, proactive, and precise verbal and written communicationDemonstrate organizational skills and ability to prioritize, multi-task, manage time, problem solve, and work independently in a fast-paced environmentInitiative-taking attitude towards learning and staying updated on industry standards and developmentProfessional, friendly, courteous, positive, collaborative, and client-centric that supports multiple departments.Preferred QualificationsJumbo & Non-QM experience preferredExperience with MD (Mortgage direct)Ability to triage and prioritize tasks effectivelyPreferred EducationHigh School Diploma or EquivalentFive (5)+ years of underwriting conventional underwriting experience in a Correspondent environmentThe expected salary range for this position is between:$100,000.00 - $147,200.00The range for the position in other geographies may vary based on market differences. The actual compensation will be determined based on experience and other factors permitted by law.We also offer a benefits package that includes:Competitive payBenefits Offered: Medical, Dental, Vision, Life, Disability, Critical Care, Hospitalization, HSA, FSA, DCFSA and QTERetirement plan: 401(k) and RothPaid Time Off: 16 days front loaded. Prorated based on the start date month11.5 paid holidays per yearEmployee assistance programExcellent career growth opportunityFun, team-focused working environmentEmployee driven community outreach programRelocation packages availableThe application window is anticipated to close on:March 20, 2026We’re definitely not your average mortgage company. When you’re ready to grow your career AND your impact, we’re ready for you. We’re also one of the nation’s top lenders and are redefining corporate culture. We work hard, we have fun, we invest in our people and we make a difference. Sound like a plan? Good. Learn more at www.movement.com.