Underwriter

About Unlock

Unlock’s mission is to unleash the power of home equity to enrich people’s lives. We do this through a financial solution called a Home Equity Agreement or HEA, an entirely new way to access and utilize home equity. We’re not a lender, so there are no interest charges or monthly payments and homeowners with poor credit or high levels of debt can still qualify. We're beyond passionate about helping our customers build greater financial resiliency. We are mission driven, consumer centric and our products are designed for the way homeowners want to live their lives today - with flexibility and control.

About The Role

Unlock Technologies is hiring an Underwriter in the Phoenix, AZ area (hybrid role). The Underwriter is responsible for reviewing and verifying Home Equity Agreements (HEA) to ensure compliance with company standards and regulatory requirements. This role requires strong analytical skills, meticulous attention to detail, and a comprehensive understanding of financial and property documentation to maintain the quality and integrity of our services.

What You'll Do

• Review and evaluate HEA applications and supporting documents for accuracy, completeness, and compliance.
• Provide clear and constructive feedback to Sales, Transaction Specialists, or other internal teams to resolve discrepancies, obtain necessary information, and ensure smooth processing.
• Assess prospective deal information and supporting documentation to assess risk and ensure sound underwriting decisions consistent with Unlock’s underwriting guidelines and credit policies.
• Identify any applications that require escalation or exception approval and coordinate with Unlock Asset Management, Transaction Specialists, and Sales accordingly.
• Maintain detailed and accurate records of underwriting decisions and supporting documentation.
• Stay updated on regulatory requirements and industry best practices to continuously improve underwriting guidelines and processes.
• Work with cross-functional teams to enhance the quality and efficiency of the underwriting process.
  
  

What We're Looking For

• 3-5 years of experience in underwriting, preferably within the mortgage or home equity industry.
• Strong analytical skills and attention to detail.
• Proficiency with working on personal computers using desktop (Windows or MacOS) and web-based applications
• Excellent communication and interpersonal skills.
• Ability to work independently and as part of a team.
• Knowledge of regulatory requirements and industry best practices in underwriting.
• Proficient in time management and task prioritization consistent with supporting an ongoing origination pipeline
• Experience working in a high-volume, fast-paced, and adaptable team environment.
• Ability to work in our office in Tempe, AZ for a minimum of 2 days per week.
  
  

What We Offer

• Discretionary time off for rest and recharge.
• Comprehensive health plans covering medical, dental, and vision, fully funded by us.
• 4% employer match to your 401(k) contributions.
  
  

Target base compensation is $33.65 - $40.87 per hour. Actual base salary varies based on factors, including but not limited to, relevant skill, prior experience, education, base salary of internal peers, demonstrated performance, and geographic location. Additionally, Unlock's Total Rewards package is highly competitive, designed to support your success at work, at home, and at play – such as 401K matching, health benefits, employee stock options and paid time off.

Unlock is an equal opportunity employer. We evaluate qualified applicants without regards to race, color, religion, national origin, age, sex, marital status, ancestry, physical or mental disability, veteran status, sexual orientation, gender identity or other protected status under all applicable laws, regulations, and ordinances.