Your Primary Responsibilities Include: Responsible for leading the evaluation and assessment of complex mortgage loan applications, ensuring alignment with company policies, investor guidelines, and regulatory requirements. Serves as a subject matter expert, providing guidance on risk analysis and underwriting best practices. Job Responsibilities: • Thoroughly review and analyze complex loan applications, including borrower creditworthiness, income, assets, and property valuations, applying advanced judgment to mitigate risk. • Make high-level underwriting decisions on approvals, counteroffers, or denials based on nuanced risk factors and long-term portfolio impact. • Ensure all underwriting activities adhere to company policies, federal and state regulations, and investor requirements, and proactively identify compliance gaps and recommend improvements. • Act as a resource for junior underwriters and team members by providing training, guidance, and feedback to enhance underwriting quality and consistency. • Communicate effectively with loan officers, processors, and management to resolve complex issues, negotiate conditions, and maintain transparency throughout the loan process. • Anticipate and address challenges in the underwriting process by offering innovative solutions that meet business objectives while managing risk. • Stay informed on market trends, regulatory changes, and new product developments, and contribute to policy updates and process enhancements. • Perform special projects, and additional duties and responsibilities as required. Requirements Education and Experience Requirements: • Bachelor's degree (or equivalent) in finance, business, or similar; OR associate degree and two (2) years of experience in functional area; OR high school diploma (or equivalent) plus four (4) years of experience in functional area. • Additional three (3) years+ of progressive experience in functional area. Additional Job Requirements: • Proven skills and experience with mortgage underwriting functions. • Advanced understanding of multiple loan products. • Proven experience with Microsoft Office 365 and the following technology: Encompass. • Willingness to pursue continuing education, certifications, etc. as applicable to advancing in the organization. • Analytical and problem-solving skills. • Interpersonal and communication skills with the ability to speak confidently. • An ability to thrive in a fast-paced environment where priorities change daily, and where employees wear many hats. • Detail-oriented with the ability to think "outside the box" and prioritize tasks and decisions in a timely manner. • Self-directed, yet effective working as part of a collaborative team. • Responsive and customer-focused with a demonstrated use of professional judgment. The above is merely a description. Responsibilities and duties are not limited to the above. Quontic reserves the right to change job descriptions at any time. Benefits This role's annual base salary range is $99,000 - $126,000. In addition to a fulfilling career, we offer competitive compensation and a comprehensive benefits package that can fuel your financial milestones & keep you well. Full time employees are eligible for: • Health, Dental, Vision, & Life Insurance • Financial Wellness Planning & Coaching • Counseling Support Services & Resources • Paid Parental Leave • Pet Insurance • 401K Match • Employee Bank Accounts with Quontic • Generous Paid Time Off