VA Mortgage Loan Underwriter

Remote

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Not SpecifiedCompensation

Mid-level (3 to 4 years), Senior (5 to 8 years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, Mortgage LendingIndustries

Requirements

Candidates must possess an active VA SAR (Staff Appraisal Reviewer) designation and have recent VA underwriting experience within the last 12 months. A minimum of 7 years of experience underwriting Fannie Mae and/or Freddie Mac loans is required, along with knowledge of Desktop Underwriter (DU) & Loan Prospector/Loan Product Advisor (LP/LPA). A strong understanding of the mortgage lending process, the ability to perform loan calculations (DTI, LTV, etc.), and the capacity to handle multiple files simultaneously are essential. Leadership experience is a plus, and preferred qualifications include VA LAPP/SAR/DE Certifications and experience with Fannie Mae and/or Freddie Mac.

Responsibilities

The VA Mortgage Loan Underwriter will underwrite and decision residential agency conforming mortgage loans, collaborating closely with the operations team to bring loans to closing. Responsibilities include verifying and analyzing all necessary financial information and documentation, ensuring loan files contain all required credit and legal documents, and reviewing appraisal reports to identify and resolve discrepancies. Underwriters will perform a thorough analysis of applicant income, expenses, assets, credit reports, and property valuations to affirm borrower qualification, calculate qualifying ratios, determine creditworthiness, and provide risk opinions. They will also maintain a proactive review of their loan pipeline.

Skills

VA mortgage loans

Underwriting

Financial analysis

Credit analysis

Appraisal review

Income and expense analysis

Mortgage loan processing

Residential mortgage loans

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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