Job Description

ABOUT US Carlyle Financial is a mortgage lender offering a comprehensive suite of common-sense jumbo home loan products from our partnerships with local community banks, credit unions, and specialty regional banks throughout California. With offices at One Market Plaza in the heart of San Francisco and our Beverly Hills branch on South Beverly Drive, we serve markets across Northern and Southern California. Our ability to close loans in-house as well as broker through multiple channels affords us a strategic advantage and adds value for our clients.

JOB SUMMARY

You will be required to analyze and evaluate residential loan applications in accordance with investor, agency and internal guidelines. You will also examine loan documentation for accuracy and completeness to ensure loans meet eligibility requirements and to mitigate risk or loss to the company. You will be expected to work closely with all Sales and Operations staff, helping us to provide our clients with outstanding levels of client service through your great communication and close attention to detail.

RESPONSIBILITIES

• Review residential loan application files to verify that application data is complete and meets lender standards according to the desired loan product, borrower income/assets/credit while taking into consideration unique outside-the-box criteria for RSU income, asset utilization, and Non-QM loan products.
• Thoroughly and accurately analyze all loan documents, which may include but not limited to the following: Input data into DU/LP and run final AUS (if applicable). Review AUS decision report, credit report, all sources of income including complex personal and business returns, assets, preliminary title report, appraisal, purchase agreement, escrow instructions, occupancy verification, red flags and fraud check.
• Underwrite files and clear conditions on loans with attention to detail as well as with a sense of urgency for our clients. Maintain quality and production standards as set forth by management.
• Implement and enforce fraud detection techniques. Request supplemental information/documentation as necessity dictates. Recognize risk factors that may compromise the overall quality of a loan file.
• Aid in the resolution of any applicable pre-funding or post purchase loan deficiencies by assisting the Operations department in curing any outstanding conditions or concerns.
• Effectively communicate all loan decisions rendered on files in a professional and positive manner in a timely manner

QUALIFICATIONS

• Must have recent underwriting experience with Non-QM & Jumbo loan products for a minimum of 7 years and are current on all updated guidelines, policies and procedures. Extensive knowledge of all FNMA/FHLMC and investor guidelines.
• Must be able to multi-task & handle multiple investors in a fast-paced environment while maintaining a high level of quality.
• Strong attention to detail, organization and communication skills.
• Communication skills, verbal and written, capable of expressing complex issues and soliciting input from a broad audience.
• Knowledge of current industry regulations (ATR, Appendix Q, etc.)

WE ARE PROUD TO OFFER

_Great Benefits & Work-Life Balance _

We offer flexible schedules, paid holidays, and medical, dental and vision insurance to our employees and their dependents. 

A Stimulating Workplace

We select our team members with care and foster a positive, agile and connected work environment. We like working here and think you will, too.

Grow With Us

Ready to grow your existing skills? We’ll reimburse industry licensing and other courses to make you happier and more productive in your career. CARLYLE FINANCIAL INC. IS AN EQUAL OPPORTUNITY EMPLOYER.

*NOTE: The profile outlined in this summary description indicates the general nature and level of work. It is not designed to contain or be interpreted as a comprehensive account of all the responsibilities or minimum qualifications required of an employee assigned to this position.