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Salary: USD 54,000 - 61,000 / annual
Point is a venture-backed fintech company on a mission to make homeownership more valuable and accessible. With over $175M raised from top investors including Andreessen Horowitz, WestCap, and Greylock, Point is scaling rapidly in the home equity category. The company has earned a 4.7 Trustpilot rating and A+ BBB rating, serving 20,000+ customers.
You will join as a Home Equity Underwriter, analyzing property and financial data to make approval recommendations and send offers to homeowners. This is a core role in Point's lending operations, requiring careful attention to detail and strong analytical skills.
Key Responsibilities:
- Review loan applications and supporting documentation from homeowners
- Request additional documents as needed through follow-ups
- Review property titles to ensure correct lien position and collaborate with processors on title clarity
- Manage a pipeline of 60–100 active files/dockets
- Submit completed dockets to QA for review and send final offers after QA clearance
- Provide status updates to cross-functional teams (Processors, Closers, Account Managers)
- Reject dockets that do not meet underwriting guidelines
- Defend credit decisions to internal stakeholders
Point operates a remote-first culture with work-from-anywhere flexibility across the US. Select roles may require one day per week onsite at the Palo Alto headquarters. The company is a Certified Great Place to Work and Fortune Best Workplaces in the Bay Area.
Requirements:
- Minimum 1 year of experience in loan underwriting, loan processing, consumer lending, customer service, operations, fraud analysis, personal banking, or another analytical role
- Meticulous attention to detail
- Deep understanding of (or eagerness to learn) Fannie Mae lending guidelines
- Strong analytical and problem-solving skills
- Comfort presenting and defending credit decisions
- Fluency in Microsoft Office or Google Sheets, with ability to use formulas to reduce errors and increase efficiency
- Desire to deliver high-quality customer service
- Knowledge of common credit underwriting standards and income/asset evaluation is a plus
- Interest in joining a startup tech company, real estate, and/or fintech
- Must reside in one of Point's states of operation: AL, AR, AZ, CA, CO, CT, DC, FL, GA, IL, KS, KY, MA, MD, ME, MI, MN, MO, NC, NH, NJ, NV, NY, OH, OR, PA, SC, TN, TX, UT, VA, WA, WI
