Credit Entity Underwriter

Champions Funding LLC


Date: 1 day ago
City: Gilbert, AZ
Contract type: Full time
Remote
Description

  • Underwrite loans involving credit entities such as LLCs, corporations, partnerships, and trusts.
  • Analyze business financial statements, tax returns, operating agreements, and other legal entity documents to determine creditworthiness.
  • Evaluate the financial strength and structure of borrowing entities, guarantors, and their capacity to repay.
  • Work closely with account managers, processors, and closers to gather documentation and resolve underwriting issues.
  • Ensure loans meet all applicable guidelines, including those related to beneficial ownership, entity documentation, and risk layering.
  • Identify and mitigate potential fraud or compliance issues related to entity structures.
  • Collaborate with internal teams to streamline the credit entity review process and improve operational efficiency.
  • Stay updated on evolving regulations, investor guidelines, and best practices related to non-individual borrowers.
  • Provide guidance and training to underwriting peers on entity evaluation and documentation review.
  • Maintain strong attention to detail while working in a high-volume, fast-paced environment.

Requirements

  • 4+ years of mortgage underwriting experience, including significant exposure to credit entities and non-individual borrower types.
  • Deep understanding of business structures (LLC, Corp, LP, Trusts) and related documentation requirements.
  • Experience underwriting Non-QM products such as DSCR, P&L, and Bank Statement loans preferred.
  • Strong analytical skills and experience evaluating business and personal financials.
  • Familiarity with loan origination systems like Meridian Link, Lending QB, or similar.
  • Excellent written and verbal communication skills, with the ability to explain complex underwriting decisions.
  • Proven ability to manage multiple priorities and deliver results under tight deadlines.
  • Strong compliance mindset with attention to detail and a commitment to high-quality work.
  • Ability to work independently and collaboratively within a dynamic underwriting team.

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