Here at Lower, we believe homeownership is the key to building wealth, and we’re making it easier and more accessible than ever. As a mission-driven fintech, we simplify the home-buying process through cutting-edge technology and a seamless customer experience.

With tens of billions in funded home loans and top ratings on Trustpilot (4.8), Google (4.9), and Zillow (4.9), we’re a leader in the industry. But what truly sets us apart? Our people. Join us and be part of something bigger.

Job Description:

Lower, LLC is a Columbus, Ohio based National Mortgage Lender. The Underwriter is responsible for analyzing, evaluating and verifying mortgage loan applications and evaluating loans for approval or denial in order to maximize organizational profit. This position is vital to Lower by minimizing risk or loss to the company, and to ensure the loan file conforms to the credit and property guidelines of all federal agencies, private mortgage insurers and investors.

What you’ll do:

• Render approval/denial of mortgage loan applications consistent with current internal and external regulations and guidelines.
• Analyzes and evaluates creditworthiness of borrowers including but not limited to the review of financial statements, tax returns, asset statements, bank account statements, etc. 
• Investigates and documents large deposits and other anomalies in the credit file that may not have been documented by the Loan Officer.
• Underwrites, reviews and recommends approvals or denials for government loans that may include FHA, VA, RHS and PHFA and non-conforming products.
• Issues loan conditions and required documentation to meet agency and regulatory requirements.
• Maintains current knowledge of internal and regulatory changes that affect the underwriting of mortgage loans.
• Provides guidance to loan processors on questions about various loan scenarios, documentation and guideline requirements.
• Provides and promotes exceptional customer service both internally and externally.
• Attendance, promptness, professionalism, the ability to pay attention to detail, cooperativeness with co-workers and management, and excellent customer service.
• Other duties or special projects as assigned.

Lower provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.

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