​​Credit Risk Underwriting Specialist​

Position Summary

Key contributor to Tri Pointe Connect’s Credit Risk Department, responsible for loan-level underwriting reviews, credit-quality audits, lending-authority support, and vendor oversight across Conventional, Government (FHA/VA/USDA), Jumbo, and Non-QM products to ensure high-quality, salable, and compliant loans. This role strengthens risk governance through meticulous file audits, income validation, data integrity checks, defect trending, and second-level underwriting oversight.

Responsibilities

• Credit Risk Underwriting Review: Conduct in-depth audits and re-underwrites across Conventional, Government, Jumbo, and Non-QM loans to ensure compliance with agency, investor, and internal Tri Pointe Connect guidelines.
• Recalculate income using agency/investor methodologies, including complex self-employed income, rental income, K-1 analysis, and layered-risk borrower assessment.
• Validate AUS findings (DU/LPA) and confirm data alignment between LOS, AUS, and documentation.
• Lending Authority Second-Level Review: Perform second-level underwriting reviews for new underwriters seeking initial lending authority, validating accuracy, guideline comprehension, and risk assessment.
• Conduct second-level reviews for existing underwriters seeking expanded authority in additional products such as FHA, VA, and/or Jumbo.
• Document findings, recommend approval of lending authority, and provide coaching feedback where skill gaps are identified.
• Maintain calibration standards to ensure lending authority aligns with Tri Pointe Connect’s credit-risk expectations and investor requirements.
• Quality Control (QC) Vendor Oversight: Audit and evaluate the work of domestic and offshore third-party QC vendors, including pre-funding, post-closing, and targeted audit activities.
• Confirm that QC vendor findings are accurate, consistent, and aligned with agency/investor requirements and internal credit standards.
• Maintain vendor performance logs, participate in calibration calls, and support scorecard development.
• Risk Governance & Reporting: Identify and escalate repurchase exposure, defect trends, risk indicators, data inconsistencies, and misrepresentation concerns to the Director of Credit Risk.
• Support development of internal credit policies, audit matrices, income guides, scorecards, and calibration frameworks.
• Contribute to executive-level reporting, trend dashboards, defect analytics, and quality insights.

Qualifications

• Bachelor's degree in Business, Finance or a related field, or equivalent industry experience.
• 5+ years of recent credit risk audit and/or mortgage underwriting experience across Conventional, Government (FHA/VA), Jumbo, and Non-QM products.
• Government underwriting designations (DE, VA Automatic), SAR preferred.

Skills

• Strong understanding of agency guidelines, investor overlays, regulatory compliance, manual underwriting logic, and ATR/QM requirements for non-agency products.
• Advanced skills in tax-return analysis, self-employment income reconstruction, and rental income evaluation.
• Expertise in loan origination systems, Encompass preferred.
• Strong communication and audit documentation skills (written and verbal), with the ability to articulate nuanced credit-risk concerns clearly.
• Demostrated ability to explain discretionary decisions and findings when reviewing loans for audit.
• Detail-oriented with a strong focus on accuracy.
• Demonstrates the ability to perform effectively under strict deadlines in a dynamic environment.