Credit Entity Underwriter
Champions Funding LLC
Date: 3 weeks 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.
- 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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