Underwriter - Mortgage

As an Underwriter at Splitero, you will make risk assessment decisions on applications for our Home Equity Investment (HEI) product, a modern alternative to traditional financing with no income requirements or monthly payments. In this pivotal role, you will analyze risk factors against our underwriting guidelines, policies, and procedures, and partner closely with our Processing team and homeowners to bring files to closing with clarity and purpose.

Own your pipeline from initial review through final approval, maintaining a consistent daily review cadence and meeting quality standards measured through regular QA review of your files.
This position has a target start date of 11/16 or 11/30. You will work remotely until January of 2027. Starting in January, this role will be hybrid and based in our San Diego office. Employees are required to work onsite Tuesday through Thursday each week, with the option to work remotely on Mondays and Fridays.
Within the range, individual pay is determined by job-related skills, experience, and relevant education or training.
3+ years of experience underwriting residential real estate or home equity products.
~ Deep experience reviewing and analyzing credit reports, property title reports, appraisal reports, mortgage statements, deeds of trust, and recorded instruments such as loan modification agreements and UCC filings.
~ A calibrated, purposeful approach to conditioning: you ask what each condition is curing, condition with precision, and can provide your reasoning to processors and sales in plain language.
~ A creative problem solver who approaches complex files with curiosity and finds ways to get homeowners across the finish line.
~ Experience with loan processing systems or robust CRM systems such as Salesforce.
~ The ability to work efficiently and independently on your pipeline.
~ Millions of homeowners in today’s economy are sitting on substantial home equity they are unable to access due to rising interest rates and strict qualification requirements of traditional lenders. That means millions of homeowners can’t convert their hard-earned equity into cash to pay off debt, start a home renovation, or pad their retirement to better their lives.
They set out to create a win-win product that could help those homeowners access their home equity but not make monthly payments like traditional financing options. As part of our team, you will join our quest to revolutionize the real estate industry while helping families in need. We offer a suite of benefits designed to help you thrive in all areas of life.

We believe in celebrating our successes, doing the right thing, and helping each other so we grow as a team and as individuals.
Premium Healthcare - We offer comprehensive healthcare plans for you and your family, which employees are eligible for on their first day.
Flexible PTO and Parental Leave - We offer a generous PTO and encourage employees to take time off to recharge. Were proud to offer a parental leave policy that allows you to welcome your new addition without worry.
In keeping with our commitment to inclusion, we will ensure that people with disabilities are provided reasonable accommodations. If reasonable accommodations are required when applying, interviewing, or performing the essential functions of this position, please contact People Operations, at