Here at Lower, we believe homeownership is the greatest wealth creator in America today. Our goal is to make homeownership accessible to more people. We also know the path to get there can be daunting; but it doesn’t need to be.

As a mission-driven fintech, everything we do revolves around simplifying the home buying process. Through our growing family of companies and products, our team meets customers where they want to do business at every step of the journey.

Lower has originated, underwritten, and funded tens of billions of dollars in home loans and offers an industry-leading customer experience with ratings of 4.8 on Trustpilot, 4.9 on Google, 4.9 on Zillow, and A+ from the Better Business Bureau.

We innovate through technology, but our people are what sets us apart.

Job Description:

Lower, LLC a Columbus, Ohio based National Mortgage Lender is looking for an Underwriter. The Underwriter is responsible for analyzing, evaluating and verifying mortgage loan applications and evaluating loans for approval or denial in order to maximize organizational profit. This position is vital to LWR by minimizing risk or loss to the company, and to ensure the loan file conforms to the credit and property guidelines of all federal agencies, private mortgage insurers and investors.

What you’ll do:

Render approval/denial of mortgage loan applications consistent with current internal and external regulations and guidelines.
Analyzes and evaluates creditworthiness of borrowers including but not limited to the review of financial statements, tax returns, asset statements, bank account statements, etc.
Investigates and documents large deposits and other anomalies in the credit file that may not have been documented by the Loan Officer.
Underwrites, reviews and recommends approvals or denials for government loans that may include FHA, VA, RHS and PHFA and non-conforming products.
Issues loan conditions and required documentation to meet agency and regulatory requirements.
Maintains current knowledge of internal and regulatory changes that affect the underwriting of mortgage loans.
Provides guidance to loan processors on questions about various loan scenarios, documentation and guideline requirements.
Provides and promotes exceptional customer service both internally and externally.
Attendance, promptness, professionalism, the ability to pay attention to detail, cooperativeness with co-workers and management, and excellent customer service.
Other duties or special projects as assigned.

Who you are:

3+ years of prior experience working as an Underwriter
Working knowledge of all current regulations governing mortgage lending.
Working knowledge of investor and agency guidelines.
Ability to use systems and software programs needed to conduct daily business.

When you join:

You’ll join a locally and nationally recognized best place to work that values promotion from within.

Plus:

Competitive compensation plan
Extended benefit offerings including:
- Medical/dental/vision
- Paid holidays
- Paid time off
- Parental leave
- Life/ Accident/ Critical Illness insurance
- Short- and long-term disability
- 401K with company match
- Discount on home mortgage refinances or purchases

Where you’ll work:

Work where you want! In office, remote or hybrid.

Compensation:

Base pay: $34-$45 hourly

Lower provides equal employment opportunities to all employees and applicants for employment and prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

This policy applies to all terms and conditions of employment, including recruiting, hiring, placement, promotion, termination, layoff, recall, transfer, leaves of absence, compensation and training.