Mortgage Underwriter II
ValonSalary not specified
Full Time
Mid-level (3 to 4 years), Senior (5 to 8 years)
Not SpecifiedCompensation
Mid-level (3 to 4 years), Senior (5 to 8 years)Experience Level
Full TimeJob Type
UnknownVisa
Mortgage, Fintech, LendingIndustries
Requirements
Candidates must have 7+ years of experience underwriting Fannie Mae and/or Freddie Mac loans. A strong understanding of the mortgage lending process, including the ability to perform loan calculations (DTI, LTV, etc.) and proficiency with Desktop Underwriter (DU) & Loan Prospector/Loan Product Advisor (LP/LPA) are essential. Leadership experience is a plus, as are VA LAPP/SAR/DE Certifications.
Responsibilities
The Mortgage Underwriter will evaluate borrower financial and credit information, along with property valuations, to make informed lending decisions. This role involves underwriting and decisioning residential agency conforming mortgage loans, verifying and analyzing financial documentation, and reviewing appraisal reports to resolve discrepancies. Responsibilities also include performing thorough analysis of applicant data to affirm borrower qualifications, calculating qualifying ratios, determining creditworthiness, providing risk opinions, and maintaining a proactive review of the loan pipeline.
Skills
Mortgage Underwriting
Residential Mortgage Loans
Financial Analysis
Credit Analysis
Property Valuation
Underwriting Guidelines
Loan Decisioning
Tomo
Token-based social platform for creators
About Tomo
Tomo Inc. operates a platform called Astro that enhances social interactions between creators and their supporters in the Web3 space. Astro provides features like direct messaging, private rooms, and personalized feeds, all secured by blockchain technology. The platform uses tokens to create unique engagement opportunities, allowing supporters to access exclusive content and privileges based on their token holdings. Tomo targets the rapidly growing creator economy, which includes individuals and small businesses generating income through content creation. The company employs a freemium business model, offering basic features for free while charging for advanced features and premium content, often paid for with tokens. Tomo's goal is to reshape how creators and their audiences connect and engage.
None, CaliforniaHeadquarters
2020Year Founded
$3.4MTotal Funding
SEEDCompany Stage
Consumer Software, Crypto & Web3Industries
11-50Employees
Risks
Blockchain technology evolution may outpace Tomo's current platform capabilities.
Intensifying regulatory scrutiny on token-based transactions poses compliance challenges.
Volatility in cryptocurrency markets affects Tomo's token-based revenue model.
Differentiation
Tomo integrates AI and blockchain for a seamless home-buying experience.
Astro platform offers token-based social interactions for creators and supporters.
Tomo's multi-chain wallet enhances digital asset management within Telegram.
Upsides
Tomo raised $3.5 million in seed funding led by Polychain Capital.
Growing creator economy boosts demand for platforms like Astro.
Increasing interest in SocialFi platforms enhances Tomo's market potential.
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