***This is a daily on-site role located at our operations center in Plano TX***

Our Operations team is the grease for our wheels. We have a strong ecosystem at loanDepot, and it all revolves around providing the tools to ensure success in every role.  Our operations teams  which can include Processing, Underwriting, Funding and more, are all invaluable pieces of the mortgage lending puzzle. We warrant a positive culture, promote teamwork & are continuously striving to take care of both our valued borrowers & our extraordinary employees.

loanDepot — We are America’s Lender.

Position Summary:

Provide quality underwriting of residential mortgage applications originated through our multiple business channels. This individual will be responsible for evaluating the credit and property documentation on loan files so that appropriate decisions are made as to the acceptability of the investment risk


  • Responsible for analyzing and rendering credit decisions on mortgage loan applications consistent with internal policies and investor guidelines as established by FNMA & FHLMC
  • Calculate income and determine if the borrower meets ATR/QM requirements
  • Accountable for analyzing collateral appraisals to determine the value was supported and the collateral meets property standards
  • Understand and maintain a thorough knowledge of all policy updates
  • Maintain Service Level Agreements (SLA’s)
  • Adhere to company quality control requirements
  • Maintain relationships with internal customers
  • Conventional approve/eligible
  • Maximum loan amount = $625,000
  • Purchase / rate and term / cash out
  • Primary residence / second home / investment property
  • Non-occupying co-borrower
  • 1st TD only
  • DU Refi Plus, LP Open Access, MI
  • FHA, VA
  • Texas A6
  • SFR / Detached PUD / Attached PUD / Condo
  • Wage earner / self-employed / rental income
  • Concurrent loans / multiple financed properties


  • Minimum of 3 years of recent retail underwriting experience
  • Must have a valid DE and/or SAR/LAPP 
  • Must have at least 3 + years of recent FHA and/or VA underwriting experience
  • Experience with a paperless LOS system
  • Multi-state experience
  • Must have both purchase and refinance underwriting experience
  • Must be able to work in a fast-paced, results-oriented, ever-changing environment

The Perks:

  • Competitive compensation reliant on ability & experience
  • Excellent benefits package including multiple health, dental & vision options
  • Company paid life and AD&D Insurance, as well as additional voluntary benefit possibilities
  • 401K with robust company match
  • 15+ PTO days, in addition to 8 paid company holidays
  • The opportunity to work for America’s Lender under the vision of industry legend, Anthony Hsieh

loanDepot is a proud equal opportunity employer.

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Retail Lender


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