Mortgage Underwriter

Onsite Hybrid - Palo Alto (CA), New York City (NY), or Phoenix (AZ) · Remotefull time

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Remote

mid

H1B: no

Pylon Senior Mortgage Underwriter responsible for end-to-end loan underwriting and providing expert human judgment behind an automated Decisioning engine. Collaborate directly with customers and product/engineering teams to improve automated underwriting processes.

Responsibilities

We’re seeking an entrepreneurial Senior Mortgage Underwriter to join our Platform team. You’ll underwrite loans end to end and act as the expert human judgment behind our automated Decisioning engine, which ensures efficient, compliant loan origination.
You’ll work directly with customers on complex files and give hands-on feedback to our product and engineering teams. That feedback helps the platform handle more underwriting automatically over time.
We are not a traditional mortgage lender. If you’re excited about working with flexible automated systems with rigorous oversight that can scale, this role is for you.
Underwrite residential mortgage files across Conventional, Jumbo, Non-QM, and Government products, reviewing credit, income, assets, and collateral against guidelines.
Issue clear, accurate conditions and clear them promptly to reduce reconditioning and unnecessary submission turns.
Conduct 2nd level reviews, handle exceptions, and manage escalations to ensure quality control.
Regularly assess and enhance our Underwriting Systems to ensure smooth file flow, high quality, regulatory compliance and efficiency.
Act as a subject matter expert, aiding decision-making and driving product improvement.
Work closely with internal teams, partners, and engineering to drive product improvements and optimize the fulfillment infrastructure.
Maintain a comprehensive understanding of mortgage origination and regulations to ensure compliance.

Qualification

Have strongHave great ideas

Required

Possess expert-level knowledge of the entire mortgage lending process, detailed underwriting knowledge specific to loan requirements and comprehensive understanding of federal, state, and regulatory guidelines related to residential mortgage lending.
Comfortable operating in highly regulated industry whilst optimizing for performance. You build with a compliance first lens, respect regulations, continuously review, and update processes as needed.
Obsess over the customer and uphold the highest standard. You build for our customers and their borrowers, doing whatever it takes to make them successful on the platform.
Adhere to a scalable software first approach, operational workaround last. You surface issues, lead discussions around long-term solutions, document them, and manage temporary manual workarounds if needed.
Ability to oversee numerous 3rd party fulfillment partners, ensuring high quality, on-time originations. You build deep relationships and drive consistent results.
Have strong, principled opinions that you’re willing to defend. We have a culture of vigorous discussion and debate on decisions. We’ll push you to articulate your choices, and defend them where necessary.
Have great ideas, and lots of them. You should see opportunities all around you to make the product and team better. We’ll provide the environment to act on those ideas.
3+ years of experience in underwriting across diverse loan types, including Conventional, Jumbo, Non-QM, and Government across purchase and refinance.
Experience working on mortgage products within a fintech environment is strongly preferred.