Underwriter– Broker (Wholesale Channel)

The posting, as Zippy wrote it

Zippy was founded with one mission: to make getting a loan for a manufactured home simple, fast, and fully online. We believe modern manufactured homes are affordable, well-built, eco-friendly, and stylish, but finding a lender who understands this market can be challenging. That’s why Zippy focuses exclusively on manufactured home loans, offering a seamless, digital experience.

Headquartered in Dallas, TX, with an office in Tempe, AZ, Zippy provides home loans and insurance to manufactured home buyers throughout the United States. Our remote-first team is spread across cities like Dallas, Houston, Knoxville, Omaha, Philadelphia, Phoenix, and several other states and cities. Backed by institutional investors, we offer competitive pay, stock options, and excellent benefits. At Zippy, we pride ourselves on our commitment to finance happiness through the power of home. We are dedicated to enhancing consumers' financial outcomes and tackling the affordable housing crisis through cutting-edge technology and innovative solutions.

The Role

We are seeking a skilled and detail-oriented Underwriter to join our Dealer & Broker (Retail) lending team, focused on manufactured housing loans originating through dealer and broker partners. In this role, you will evaluate loan applications and assess borrower creditworthiness while working directly with retail partners to keep files moving efficiently through the pipeline. Your expertise in analyzing financial documents, assessing risk, and ensuring compliance with lending regulations will be essential to making sound, timely lending decisions. This position offers an excellent opportunity to help grow our retail origination channel while supporting individuals in achieving their homeownership goals.

Responsibilities

• Review loan applications and supporting documentation for manufactured housing loans, including income verification, credit reports, and property valuations.
• Assess borrower creditworthiness by analyzing financial statements, tax returns, employment history, and other relevant information.
• Evaluate loan-to-value ratios, debt-to-income ratios, and other key financial indicators to determine loan feasibility.
• Analyze manufactured housing market trends and property valuations to determine appropriate loan amounts and terms.
• Independently underwrite standard loan scenarios in alignment with company guidelines and risk tolerance.
• Conduct thorough risk assessments to identify discrepancies, red flags, or potential fraudulent activity, escalating more complex scenarios as needed.
• Ensure compliance with lending regulations, internal policies, and underwriting guidelines.
• Prepare clear, well-supported underwriting decisions and summaries, including recommended loan structures, risk mitigation strategies, and rationale for decision-making.
• Work with dealers and brokers to offer alternative loan options or counter offers when the original loan request does not meet lending gui

[…]
We believe in promoting from within, offering you opportunities to grow your career with us.

Beyond the tangible benefits

• Core Values: At the heart of everything we do are our core values: Lead with Passion, Own It, Build a Better Way, Results Driven, and The Golden Rule. These values guide our decisions, shape our culture, and inspire us to achieve our best every day.
• Join a Growing Team: Be part of a dynamic team at a pivotal moment in Zippy’s growth, where every contribution makes a significant impact.
• Innovative Work: Collaborate with sharp, passionate teammates to tackle unique challenges in the Manufactured Housing market, positioning our product as a top-tier lending solution.
• Supportive Culture: You’ll be welcomed into a collaborative environment that fosters camaraderie, respect, and a deep sense of belonging.
• Diversity & Inclusion: We’re committed to empowering a diverse and inclusive workforce, celebrating our differences, and ensuring everyone feels safe to bring their whole selves to work.
• Inspirational Leadership: Work alongside leaders who are not only approachable but also dedicated to providing guidance, mentorship, and support to help you succeed.
• Meaningful Impact: Be part of a mission-driven team that’s making housing more affordable for everyone, helping prospective buyers secure fast and simple online loans to purchase manufactured homes. By joining Zippy you will help improve the lives of over 22 million Americans who live in manufactured homes today.

Zippy is an equal opportunity employer that is committed to diversity and inclusion. We do not discriminate based on race, color, national origin, religion, gender, gender expression, sexual orientation, age, veteran status, disability status, or marital status. If you are excited about the role but do not meet 100% of the qualifications listed above, we encourage you to apply. Nothing in this job posting should be construed as an offer or guarantee of employment.