About The Team:

Zillow Home Loans provides customers with a streamlined option for their home financing needs. By utilizing Zillow's home-buying expertise and cutting-edge technology, we're working to create an easier, smoother check-out experience in the real-estate transaction.

About the role:

We are looking for a detail-oriented Credit Specialist to support high-quality mortgage loan decisions at Zillow Home Loans. In this role, you will conduct thorough reviews of mortgage loan files to assess compliance with agency, company, and investor guidelines, helping ensure the salability of closed loans.

This is a strong fit for someone who brings sound judgment, a high bar for accuracy, and the ability to work effectively in a fast-paced mortgage operations environment. You will play a key role in reviewing documentation, identifying deficiencies, documenting decisions clearly, and partnering cross-functionally to keep files moving efficiently.

What you'll do:

Conduct thorough reviews of mortgage loan files to determine compliance with agency, company, and investor guidelines
Review resubmitted files and supporting documents to assess completeness and eligibility
Make and issue independent, compliant loan decisions
Enter information into Encompass LOS to document and validate file decisions
Maintain service level expectations and turn-time standards
Protect confidential and sensitive customer information
Respond to audits and post-closing issues in a timely manner
Maintain working knowledge of agency and investor guidelines, policies, regulatory changes, and market developments
Partner closely with processing staff to resolve underwriting deficiencies, calculation errors, and credit documentation questions
Communicate clearly and effectively with internal partners to support timely, accurate file progression

What we're looking for:

Minimum 5+ years of recent residential mortgage underwriting experience
6+ years of overall mortgage industry experience
Demonstrated ability to underwrite mortgage loan files for agency compliance and investor guidelines
Strong experience reviewing and evaluating borrower profiles, including income documentation, personal and business tax returns, credit reports, preliminary title reports, and appraisals
Ability to make sound, independent underwriting decisions while balancing risk, quality, and turnaround expectations
Proven ability to manage a large pipeline and perform effectively under pressure and tight deadlines
Strong analytical, decision-making, problem-solving, and prioritization skills
Ability to succeed in a fast-paced, high-stakes environment while maintaining a high bar for quality and production standards
Strong verbal and written communication skills, with the ability to build and maintain professional relationships with peers and management
Experience underwriting Jumbo loans preferred
Experience with recent manual underwriting preferred
Experience in a medium to large nonbank lender environment preferred
Encompass experience preferred
High level of discretion and professionalism when handling confidential and sensitive information