Senior Loss Mitigation Underwriter

Come join our amazing team and work remote from home The Senior Loss Mitigation Underwriter will be responsible for underwriting loss mitigation applications in accordance with Treasury, Company and Investor guidelines while following companyu2019s policies and procedures under general supervision. Makes sound underwriting decisions and ensures that all decisions meet legal and policy requirements. Perform all duties in accordance with the companyu2019s policies and procedures, all US state and federal laws and regulations, wherein the company operates. The target pay range for this position is $29.00 - $34.00 an hour. The Senior Loss Mitigation Underwriter level is the senior level role in the job family and generally handles the most complex underwriting files while assisting in the training and growth of junior underwriters. What you do: u2022 Perform a thorough analysis to ensure the quality of each loan and to determine compliance with Treasury, Company and Investor guidelines. u2022 Conduct Verification of Income (VOI). u2022 Calculate customeru2019s front and back-end debt to income ratio. u2022 Verify occupancy, hardship and income. u2022 Apply payment waterfall to determine workout eligibility (repayment plans, forbearances, loan modifications or liquidation options). u2022 Assist in the processing and development of loans acquired from prior Servicer u2022 If applicable, identify the type(s) and amounts of liquid assets the borrower holds. u2022 Determine and communicate needed conditions to properly document the file (reason for default letter, updated pay stubs, bankruptcy papers, etc.). u2022 Complete system tasks as required to maintain compliance with Treasury, Company and Investor guidelines. u2022 Document final decision and update system of record. u2022 Function as the subject matter expert for Loss Mitigation underwriting. u2022 Perform other duties as assigned. What you'll need: u2022 High school diploma or equivalent required u2022 Four (4) plus years of underwriting experience or servicing/loss mitigation. Our Company: Carrington Mortgage Services is part of The Carrington Companies, which provide integrated, full-lifecycle mortgage loan servicing assistance to borrowers and investors, delivering exceptional customer care and programs that support borrowers and their homeownership experience. We hope youu2019ll consider joining our growing team of uniquely talented professionals as we transform residential real estate. To read more visit: . What We Offer: + Comprehensive healthcare plans for you and your family. Plus, a discretionary 401(k) match of 50% of the first 4% of pay contributed. + Access to several fitness, restaurant, retail (and more) discounts through our employee portal. + Customized training programs to help you advance your career. + Employee referral bonuses so youu2019ll get paid to help Carrington and Vylla grow. + Educational Reimbursement. + Carrington Charitable Foundation contributes to the community through causes that reflect the interests of Carrington Associates. For more information about Carrington Charitable Foundation, and the organizations and programs, it supports through specific fundraising efforts, please visit: . #Carrington #LI-GV1 u2003Carrington is an equal opportunity employer. It is the policy of the company that applicants be considered for positions for which they qualify without regard to race, color, religion, sex, gender identity, national origin, ancestry, age, marital status, sexual orientation, protected veterans status, physical or mental disability or any other legally protected category. Carrington will make reasonable accommodations for known physical or mental limitations of a qualified applicant or employee with a disability unless the accommodation will impose an undue hardship on the company.

Created: 2025-12-04