Senior Mortgage Underwriter

Pylon is building the first vertically integrated mortgage platform that turns origination into a single API. The Senior Mortgage Underwriter will join the Platform team to underwrite loans end to end and act as the expert human judgment behind the automated Decisioning engine, ensuring efficient, compliant loan origination. The role involves working directly with customers on complex files and giving hands-on feedback to product and engineering teams to help the platform handle more underwriting automatically over time. Pylon is not a traditional mortgage lender and describes the role as suited to those excited about flexible automated systems with rigorous oversight that can scale.

Responsibilities

Underwrite residential mortgage files across Conventional, Jumbo, Non-QM, and Government products, reviewing credit, income, assets, and collateral against guidelines; Issue clear, accurate conditions and clear them promptly to reduce reconditioning and unnecessary submission turns; Conduct 2nd level reviews, handle exceptions, and manage escalations to ensure quality control; Regularly assess and enhance Underwriting Systems to ensure smooth file flow, high quality, regulatory compliance, and efficiency; Act as a subject matter expert, aiding decision-making and driving product improvement; Work closely with internal teams, partners, and engineering to drive product improvements and optimize the fulfillment infrastructure; Maintain a comprehensive understanding of mortgage origination and regulations to ensure compliance; Work directly with customers on complex files and give hands-on feedback to product and engineering teams; Act as the expert human judgment behind the automated Decisioning engine

Requirements

Possess expert-level knowledge of the entire mortgage lending process, detailed underwriting knowledge specific to loan requirements, and comprehensive understanding of federal, state, and regulatory guidelines related to residential mortgage lending; Comfortable operating in a highly regulated industry while optimizing for performance, with a compliance-first approach; Obsess over the customer and uphold the highest standard; Adhere to a scalable software-first approach, operational workaround last; Ability to oversee numerous 3rd party fulfillment partners, ensuring high quality, on-time originations; Have strong, principled opinions that you're willing to defend; Have great ideas and see opportunities to make the product and team better; 3+ years of experience in underwriting across diverse loan types, including Conventional, Jumbo, Non-QM, and Government across purchase and refinance

Nice to have

Experience working on mortgage products within a fintech environment