Mortgage Underwriter - Remote

| Remote
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About Figure

At Figure, we’re on a mission to transform financial services through blockchain, bringing speed, efficiency and savings to both consumers and institutions.

Accomplishing this kind of transformation requires building really big things. And we understand that building big requires a creative, team oriented and supportive environment where everyone can do their absolute best work. The Figure team is comprised of incredibly driven, innovative, collaborative and curious people who love architecting and building from scratch. Everyone at the company is encouraged to be an individual contributor but also a team collaborator. 

We value team members who bring an entrepreneurial mindset to every task and will embrace our culture of innovation. Every day at Figure is a journey in continuous learning yet a daily focus on getting work done that makes a difference.

This is an opportunity to work with a team of proven leaders who have already created billions of dollars in value in the Fintech space. Join us!

About this role

Figure is looking for an Underwriter to play a big part in the process for a highly automated conforming and non conforming mortgage origination.  This role will work cross functionally with Product, Credit and Quality Control teams to ensure that Figure has effective underwriting processes that comply with GSE and investor guidelines.  Take ownership and make a big impact on this innovative team! 

What you’ll do

  • Own and exercise loan approval authority within limits set by Credit 
  • Maintain a working knowledge of GSE and investor seller guidelines and requirements, new government regulations and real estate laws.
  • Be the go to expert on all company mortgage products, systems, operational procedures and policies. This includes maintaining a working knowledge and providing vendor oversight of Day 1 certainty provider services and other 3rd party services 
  • Review repurchase requests and underwriting purchase deficiencies and partner with Capital markets to remediate the deficiencies and Product to prevent systemic issues going forward
  • Review and approve third party originators.  Maintain policies and procedures to review and approve third party originators
  • Collaborate with Compliance on all fair lending reviews
  • Continuously look for areas of process improvements and ways to make things more efficient 

What we look for

  • 3+ years verifiable experience underwriting residential mortgages 
  • Bachelor’s Degree is preferred
  • Demonstrated ability to interpret guidelines and make decisions based on these interpretations
  • Strong project-management skills, with a proven ability to coordinate across departments and functions
  • Strong work ethic and hands-on approach to build in a startup environment 
  • Ability to address issues while remaining objective and independent
  • Ability to build technical processes and work with cross functionally  to provide underwriting related requirements  
  • Experience conducting compliance monitoring and testing
  • Proven ability to take a project from start to finish while staying organized, detail oriented and diligent
  • Strong communication skills - ability to articulate verbally and in writing, plans, processes, policies and issues to stakeholders
  • Ability to thrive in a start up environment building from ground level

Benefits To You

  • Competitive salary based on experience and skills
  • Performance based bonus
  • Paid time off and vacation policy
  • Comprehensive health, vision, dental insurance
  • Company FSA, 401k, commuter benefits
  • And much more to come!

Figure will not sponsor work visas for this position. In compliance with federal law, all persons hired will be required to verify identity and eligibility to work in the United States and to complete the required employment eligibility verification form upon hire. 


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Technology we use

  • Engineering
  • Product
    • JavascriptLanguages
    • KotlinLanguages
    • PythonLanguages
    • ReactLibraries
    • Node.jsFrameworks
    • TensorFlowFrameworks
    • PostgreSQLDatabases
    • Google AnalyticsAnalytics
    • IllustratorDesign
    • FigmaDesign
    • ConfluenceManagement
    • JIRAManagement

An Insider's view of Figure

What’s the vibe like in the office?

We're a group of collaborators & builders who take pride and ownership of our work & celebrating our wins together. Whether you're crushing it in ops, developing a product in engineering, or deep-diving into a culture survey for People Ops, when you step foot in the office, you feel the wave of positive energy team members radiate.

Dennis

People Ops Coordinator

What projects are you most excited about?

Projects that have the most challenging technical problems to solve. There are times when we need to come together as a group to solve complex issues in financial service processes and it is exciting to come up with an elegant solution with an easy customer experience and see it live in production quickly.

Devin

Director, Engineering

How has your career grown since starting at the company?

Growth at Figure is through ownership and taking on more as we build. While my background was in digital advertising, I now own media buying and more. Figure is still a startup, so people wear a lot of hats and that's a great way to cultivate career growth.

Alysse

Marketing Manager

How do your team's ideas influence the company's direction?

Our team operates like a meritocracy. This allows for good ideas, new products, perspectives & solutions to come from all levels of the organization; for every employee to feel empowered, embrace an owner mindset and influence the direction of the company.

Jennifer

Head of Americas, Provenance

What are Figure Perks + Benefits

Culture
Friends outside of work
Eat lunch together
Daily stand up
Team owned deliverables
Team based strategic planning
Open office floor plan
Health Insurance & Wellness Benefits
Flexible Spending Account (FSA)
Acme employees can contribute up to $1500 annually to their FSA.
Disability Insurance
Dental Benefits
Vision Benefits
Health Insurance Benefits
Life Insurance
Mental Health Benefits
Retirement & Stock Options Benefits
401(K)
Company Equity
Figure offers competitive stock option packages as part of the team
Performance Bonus
Quarterly bonuses
Child Care & Parental Leave Benefits
Flexible Work Schedule
Acme Co. provides employees with a flexible work schedule that includes Flexible start and end times.
Remote Work Program
Family Medical Leave
Vacation & Time Off Benefits
Unlimited Vacation Policy
Generous PTO
Paid Holidays
Paid Sick Days
Perks & Discounts
Casual Dress
Game Room
Stocked Kitchen
Some Meals Provided
Happy Hours
Pet Friendly
Acme Co.'s pet policy is Occasional bring your pet to work days.
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