Jr. Underwriter

Open Position: Jr. Underwriter

Reports to: VP, Director of Credit and Underwriting Job Type: Full-time, Exempt, Remote Salary: $90,000 - $110,000 annually

About Us

We're Rain City Capital - a rapidly growing private lender headquartered in Kirkland, WA. We put our borrowers first, which is how we've built our business almost exclusively on word-of-mouth referrals. No two workdays are the same, so our team is made up of individuals who aren't afraid to roll up their sleeves and make it happen. Our staff is energetic, fun, and committed to leading the industry by putting the relationship before the transaction. We're looking for a highly competent Jr. Underwriter to support the efficient and accurate assessment of deals for our growing loan portfolio.

About You

You're an experienced mortgage lending professional with a proven track record of creative problem-solving and the ability to work well as part of a team. You're self-driven, analytical, responsible, and easily adaptable to change with relentless attention to detail. You pitch in to help your coworkers when needed, always deliver on time, and are enthusiastic about our industry, our company, and our customers. See below for more details on preferred qualifications.

About The Job

This role is an integral part of the Underwriting team and is all about supporting Rain City's critical assessment of deals, from conditions to funding. Here are some of the things you'll be doing day-to-day in this role:

• Review files and proactively communicate conditions needed before sending to underwriting
• Identify loan-level issues and items that will delay funding
• Review and confirm applications, credit, background, title, assets, and valuations
• Keep the system up to date with all required information
• Assist loan processing and underwriting department with appraisal order follow up
• Investigate properties (zoning, property type etc.)
• Partner with loan officers and processing to resolve file, document, or post-closing issues
• Efficiently meet deadlines while maintaining multiple assignments/projects
• Other duties as assigned
  
  

Other duties, responsibilities, and activities may change or be assigned at any time with or without notice. The employee in this position must be able to read, write, speak and understand English with exceptional fluency.

Skills and Attributes

• Minimum of 2 years of experience as a loan processor or underwriter
• Strong understanding of mortgage process flow, from processing to closing
• Experience with automated underwriting systems helpful
• Inquisitive, investigative mindset - find, analyze, and solve problems
• Recognizes and asks follow-up questions necessary to fully understand issues and develop proper solutions
• Excellent communication skills both written and verbal, including the ability to effectively communicate and maintain great relationships
• Solution-oriented and nimble thinker with excellent analytical and mathematical skills
• Great attention to detail, immaculately organized, and ruthless in the pursuit of meeting deadlines
• Ability to react quickly to changing priorities and multitask, enjoys a fast-paced work environment
• Energetic and dependable self-starter
• Reliable, punctual, and able to prioritize and perform all major job roles with minimal supervision
• Willingness to help other team members/departments when needed, including occasionally working flexible hours to accommodate volume
• Must be able to laugh and have fun!
  
  

Remote Work Expectations

Rain City Capital offers a Remote work environment for some positions, which means employees perform their duties remotely and will be expected to check email, phone, and text messages throughout the day and respond in a timely fashion consistent with a normal company workday. Rain City's expectations for Remote work performance boils down to our mission statement: Real and Lasting Mutual Success.

To apply, please send your resume and cover letter to careers@raincitycapital.com.