Scenario Desk (On-site, Gilbert AZ)

Description

• Evaluate and model complex Non-QM loan scenarios, including alternative income, multiple properties, and non-traditional credit profiles.
• Provide structured analysis and recommendations to underwriting, credit policy, and operations teams.
• Collaborate with underwriters to assess risk, pricing, and eligibility for unique borrower scenarios.
• Maintain up-to-date knowledge of company credit policies and lending parameters to ensure scenario evaluations are accurate and compliant.
• Partner with capital markets to ensure loan scenarios align with funding strategies and investor expectations.
• Prepare scenario documentation, presentations, and reports for internal teams and leadership review.
• Identify trends, patterns, or issues within borrower scenarios to inform policy updates or operational improvements.
• Support training and guidance for underwriting and operations teams on complex loan structures.
• Monitor pipeline of challenging loan scenarios and provide timely recommendations to facilitate production flow.

Requirements

• Required: 3–5 years of experience in mortgage underwriting, credit analysis, or mortgage product structuring.
• Strong analytical and quantitative skills with experience modeling complex mortgage scenarios.
• Deep understanding of Non-QM mortgage products, alternative income documentation, and non-traditional credit profiles.
• Experience working with mortgage loan pipelines and production systems, preferably Encompass LOS.
• Excellent written and verbal communication skills to present findings clearly and concisely.
• Strong problem-solving abilities and attention to detail.
• Ability to collaborate effectively across underwriting, operations, and capital markets teams.
• Bachelor’s degree in Finance, Economics, Business, or related field; advanced degree preferred.