As a Mortgage Underwriter, you'll impact the lives of everyday people and help them go from surviving to thriving with innovative digital personal finance solutions. The Mortgage (HELOC) Underwriter is responsible for calculating income, reviewing all third-party vendor services to include AVM, fraud, & Credit Supplements, etc. and the review, conditioning, and final decisioning of the loan product.
This role will partner closely with the client, sales, and mortgage operations teams to ensure an optimal customer experience as they collaborate with Mortgage Advisors to secure desired loan financing. In this role, you will have responsibility to keep abreast of underwriting guidelines specific to home loans, and to industry changes that could affect the loan outcome. They will ensure all applications are reviewed with the highest level of attention paid to the quality of the underwrite itself.
This is a hybrid role with 90% of your time spent working from home, 1-3 days in our Tempe office each month. Candidates must reside in the greater Phoenix area.
Qualifications
What you'll do:
- Evaluate loan applications and borrowers' creditworthiness
- Adhere to departmental SLAs
- Monitor Regulation B compliance and ensures all underwriting decisions are made within applicable SLAs
- Verifies income and employment information, reviews credit history, and calculates the value of borrowers' collateral/assets
- Analyzes personal and business, (Corporate, S Corporation, and Partnership), income tax returns and prepares Self-Employed Analysis for Mortgage qualification
- Reviews all appraisals, (I.e., AVM, PICR, 1004, 1025), to confirm they meet the standards for the loan type requested and support the market value conclusion
- Contacts 3rd party vendors, as necessary, to resolve conflicting information or appraisal issues
- Follows underwriting procedures
- Approves/Denies loan requests based on Home Loan underwriting guidelines and investor criteria
- Documents reasons for approval or denial and completes adverse action notices, when applicable
- Answers audit issues on purchases or pre-purchased loans
Qualifications
What you'll bring:
- Minimum of 3-5 years (UW II) or more than 5 years (UW III) of Underwriting experience in home
- Results-oriented, entrepreneurial individual - must be adaptable in a start-up environment loans, including 1st mortgage products, HELOCs, etc.
- Experience with self-employment verification
- Demonstrated skills in the area of income calculation and credit review
- Excellent communication skills
- Ability to meet deadlines and achieve goals
- Ability to work with cross-functional teams toward the delivery of goals and objectives
- Ability to multi-task at a high level
- Ability to work independently, as well as in a team environment
- Ability to work in a fast paced, high volume mortgage environment
- Seeks feedback and accepts coaching with a continual desire to get better
Additional Information
Achieve well-being with:
- Hybrid and remote work opportunities
- 401 (k) with employer match
- Medical, dental, and vision with HSA and FSA options
- Competitive vacation and sick time off, as well as dedicated volunteer days
- Access to wellness support through Employee Assistance Program, Talkspace, and fitness discounts
- Up to $5,250 paid back to you on eligible education expenses
- Pet care discounts for your furry family members
- Financial support in times of hardship with our Achieve Care Fund
- A safe place to connect and a commitment to diversity and inclusion through our six employee resource groups
Join Achieve, change the future
At Achieve, we're changing millions of lives.
From the single parent trying to catch up on bills to the entrepreneur needing a loan for the next phase of growth, you'll get to be a part of their journey to a better financial future. We're proud to have over 3,000 employees in mostly hybrid and 100% remote roles across the United States with hubs in Arizona, California, and Texas. We are strategically growing our teams with more remote, work-from-home opportunities every day to better serve our members. A career at Achieve is more than a job-it's a place where you can make a true impact, have a sense of belonging, establish a fulfilling career, and put your well-being first.
Attention Agencies & Search Firms: We do not accept unsolicited candidate resumes or profiles. Please do not reach out to anyone within Achieve to market your services or candidates. All inquiries should be directed to Talent Acquisition only. We reserve the right to hire any candidates sent unsolicited and will not pay any fees without a contract signed by Achieve's Talent Acquisition leader.
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Company Description
Achieve is a leading digital personal finance company. We help everyday people move from struggling to thriving by providing innovative, personalized financial solutions. By leveraging proprietary data and analytics, our solutions are tailored for each step of our member's financial journey to include personal loans, home equity loans, debt consolidation, financial tools and education. Every day, we get to help our members move their finances forward with care, compassion, and empathetic touch. We put people first and treat them like humans, not account numbers.
Skills Required
- 3–5 years of home-loan underwriting experience for UW II, or more than 5 years for UW III
- Experience underwriting first mortgage products and HELOCs
- Experience verifying self-employment income
- Demonstrated income calculation and credit review skills
- Excellent communication skills
- Ability to meet deadlines and achieve goals
- Ability to collaborate cross-functionally
- Ability to multitask at a high level
- Ability to work independently and in a team environment
- Ability to work in a fast-paced, high-volume mortgage environment
- Adaptability in a startup environment
- Willingness to seek feedback and accept coaching
- Residence in the greater Phoenix area
What the Team is Saying
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Achieve Compensation & Benefits Highlights
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Healthcare Strength — Health coverage is presented as multiple medical, dental, and vision plan options with telemedicine, company‑paid life and long‑term disability, a company EAP, and no‑cost Talkspace access. Feedback suggests these resources create a well‑rounded package that supports physical and mental wellbeing.
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Retirement Support — Retirement benefits include a 401(k) with a company match up to $5,000 per year, with eligibility typically beginning the first of the month after 30 days. Feedback suggests this match is a meaningful component of total rewards.
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Leave & Time Off Breadth — Time away is described as flexible vacation for many salaried roles, paid sick leave, ~10 paid holidays with a holiday‑choice option, birthday time, and paid volunteer hours. Remote/hybrid options and four weeks of paid parental leave further support work‑life balance.
Achieve Insights
What We Do
Formally known as Freedom Financial Network, Achieve launched in 2022 as the leading digital personal finance company helping everyday people get on, and stay on, the path to a better financial future. Achieve delivers personalized financial solutions for real people through intelligent technology and an empathetic human touch. From the single parent trying to buy a home to the overworked employee drowning in debt, we provide innovative solutions, budgeting tools, and education to help them move from surviving to thriving. We put our members first by coaching them through their financial health journey to understand what’s working for them and what’s not. Our tailored approach is designed to meet everyone where they are in life because they’re more than just a credit score. Our people make the biggest difference. With more than 2,200 teammates between California, Arizona, Florida, and Texas, everyone collaborates together to make an impact towards our mission; to empower everyday people to move forward on a path to a better financial future. We’re committed to fostering an environment where everyone can belong, while giving their true authentic selves a place to shine. Whether you’re in sales, member support, engineering, product design, IT or any of our other exciting roles, you’ll join a team passionate about serving our members and embracing our core values every day: Care (For everyone) Get Better (Every day) Act With Integrity (Every time) Collaborate (With everyone)
Why Work With Us
The technology we are building has real human impact to positively change the trajectory of millions of American families living with the crippling weight of consumer debt. Our growing teams are determined to get better every day through open collaboration and genuine family-like care for the whole person—engineers are never lost in the shuffle.
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Hybrid Workspace
Employees engage in a combination of remote and on-site work.
