Better is reimagining home finance and making it faster, cheaper, and easier for everyone to become a homeowner. We leverage creative technology and innovation to make the home buying journey more approachable and understandable and home finance more affordable and accessible. Here are some interesting facts to help you get to know Better:
-
We’ve funded over $100 billion in loans for our customers, more than any other fintech
-
We ranked #1 in the U.S. on LinkedIn's Top Startups 2020 and 2021
-
We are Forbes’ Best Online Mortgage Lender for 2023
-
We are USA Today’s Best Mortgage Lenders of 2023, Best for FHA Loans
-
We have raised over $1.2 billion in equity capital to transform the mortgage industry, the largest financial asset class in the world
-
And we’re just getting started!
We are a place where smart, hungry, ambitious people who want to recognize their full potential thrive.
ABOUT THE TEAM
As an Underwriting Services Analyst, it is our responsibility to make intelligent and informed risk decisions that are rooted in knowledge and experience. Through the talent of our team we are making the homeownership process simpler, faster - and most importantly, more accessible for all Americans.
ABOUT THE ROLE
As an Underwriting Services IC, you will play a crucial role in ensuring the accuracy and completeness of mortgage applications, evaluating financial documents, and assessing the creditworthiness of applicants.You will have the opportunity to review a wide array of property, income and credit profiles. Additionally, there will be continued education to help you develop your skills and overall credit acumen, that will lead to a successful career in the mortgage industry. We value the experience gained while in this role to help bridge the gap to becoming a seasoned Underwriting Services analyst
ABOUT YOU
●Any Bachelor’s degree. However, a Bachelor's degree in finance, business, or a related field is a plus.●Minimum 2 years experience in US mortgage Underwriting.●Strong analytical skills with the ability to evaluate complex financial documents.●Knowledge of mortgage industry regulations,primarily conventional loan programs.●Excellent communication and interpersonal skills.●Flexibility to work in different time zones to accommodate US-based calls.
●Attention to detail and the ability to work independently.●Having a knowledge of Collateral documents is a plus.
RESPONSIBILITIES
●Understanding of 4 C's of Underwriting.●Verify applicant's Credit, Income, Asset and Collateral documentation along with Purchase contract agreements. ●Deep understanding of Ratio Calculation and AUS reading.●Ensure correct documents are processed in company tools and portals used for underwriting.●Ensure compliance with company policies, industry regulations, and underwriting guidelines throughout the evaluation process.●Communicate effectively with applicants, loan officers, and other internal stakeholders to request additional information, explain decisions, and provide feedback.●Maintain accurate records of underwriting decisions, reasons for approval or rejection of documents, and any additional documentation required.●Stay up-to-date with industry trends, regulatory changes, and evolving underwriting practices to continuously improve the underwriting process.●Initiate outbound calls or emails to collect essential information regarding the borrower.
Company Benefits
Our total rewards package consists of base salary, incentive compensation, and benefits. Some of our benefits include:
-
Comprehensive healthcare, retirement, and voluntary benefits. Think medical, dental, vision, health savings accounts, 401k, and more.
-
Personalized care and tools for realizing your mental health and wellness goals.
-
Company paid for lunch when working in the office.
-
Additional benefit perks & discounts.
Disclaimer
Better Home & Finance Holding Company is an equal opportunity employer committed to fostering an inclusive and diverse environment for our employees. We are committed to equal employment opportunities regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity or Veteran status, or any other reason protected by law.We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities.
Better will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation.
California Consumer Privacy Rights Notice for Job Applicants
Under the California Consumer Privacy Act (CCPA), Better is required to inform California residents who are our job applicants or prospective talent (together "job applicants") about the categories of personal information we collect about you and the purposes for which we will use this information. The notice contains disclosures required by the CCPA and applies only to personal information that is subject to the CCPA.Apply for this job
