Jumbo Scenario Desk Sr Underwriter
Movement Mortgage, Fort Mill, SC, United States
Join the company defining what it means to be an Impact Lender!
Mortgages are what we do, but that doesn't define who we are. In 2008, Movement disrupted the industry with the innovative 6-7-1 mortgage process. In 2023, we pioneered again, helping launch Impact Lending – a new category of lending. Any mortgage lender that commits at least 10% of its profits to helping the neighborhoods it serves is an Impact Lender.
At Movement, we are Impact Lenders. We give 40%-50% of our profits to making an impact in our communities. For us, purpose and people have always come before profit.
Responsibilities (Duties and responsibilities may include, but are not limited to the following):
Responsible for evaluating and assessing the risk of Prime, Jumbo & Non-QM mortgage loan scenarios to ensure they meet company policies, investor guidelines, compliance, and industry regulations
Serve as the primary point of contact for the scenario desk, addressing inquiries encompassing a wide range of topics, including:
Responding to asset-related questions
Clarifying occupancy-related issues
Title, Appraisal and Insurance questions
Provide upfront Income analysis for the following:
Wage/Salary
Self-employment
RSU
DSCR calculations
Asset Depletion
Bank statement
Other variable types of Income
Work with Product development on Program offerings and launches
Handle Investor updates
Manage Program matrices and Sales support tools
Training Sales partners and underwriting department on Investor programs
Communication to Sales/Team members Income analysis results
Log and track all income review requests
Support Underwriting, Credit Policy and Product Development with tasks that arise surrounding the scenario desk including (but not limited to):
Investor relations
Collaboration with other departments
Assist Team Lead with tasks that arise surrounding the scenario desk including (but not limited to):
Facilitate the preparation of Exception requests received upfront on the inbox to review prior to escalating to Team Lead to ensure loan parameters meet general guideline requirements aside from variance outside guides being requested
Help develop resource tools to increase productivity and proficiency
Triage and expedite difficult/advanced questions to Team Lead
Train on and increase knowledge of loan programs, to provide additional scenario coverage on desk for the following programs:
DSCR (Debt Service Coverage Ratio)
Bank statement programs
Asset depletion programs
NON-QM products
Jumbo products
New products that are rolled out on new Investor loan programs
Qualifications (To perform the job successfully, the candidate should demonstrate the following competencies to perform the essential functions of this job.)
At least 5 years of Prime, Jumbo, NON-QM and Conventional underwriting experience
Strong proficiency in Microsoft Office (Outlook, Word, Excel, One Drive) and Adobe Acrobat, navigating the internet, and generally tech savvy.
Knowledge of Investor guidelines and overlays
Meeting company turn times and metrics
Navigation of multiple Investor portals
Meticulous with a focus on accuracy, demonstrating extreme attention to detail and critical thinking
Demonstrate a history of effective, proactive, and precise verbal and written communication
Demonstrate organizational skills and ability to prioritize, multi-task, manage time, problem solve, and work independently in a fast-paced environment
Initiative-taking attitude towards learning and staying updated on industry standards and development
Professional, friendly, courteous, positive, collaborative, and client‑centric that supports multiple departments.
Preferred Qualifications
Jumbo & Non‑QM experience preferred
Experience with MD (Mortgage direct)
Ability to triage and prioritize tasks effectively
Preferred Education
High School Diploma or Equivalent
Five (5)+ years of underwriting conventional underwriting experience in a Correspondent environment
The expected salary range for this position is between $100,000.00 - $147,200.00.
The range for the position in other geographies may vary based on market differences. The actual compensation will be determined based on experience and other factors permitted by law.
Benefits
Competitive pay
Benefits Offered: Medical, Dental, Vision, Life, Disability, Critical Care, Hospitalization, HSA, FSA, DCFSA and QTE
Retirement plan: 401(k) and Roth
Paid Time Off: 16 days front loaded. Prorated based on the start date month
11.5 paid holidays per year
Employee assistance program
Excellent career growth opportunity
Fun, team‑focused working environment
Employee driven community outreach program
Relocation packages available
The application window is anticipated to close on March 20, 2026.
We’re definitely not your average mortgage company. When you’re ready to grow your career AND your impact, we’re ready for you. We’re also one of the nation’s top lenders and are redefining corporate culture. We work hard, we have fun, we invest in our people and we make a difference. Sound like a plan? Good. Learn more at www.movement.com.
#J-18808-Ljbffr
At Movement, we are Impact Lenders. We give 40%-50% of our profits to making an impact in our communities. For us, purpose and people have always come before profit.
Responsibilities (Duties and responsibilities may include, but are not limited to the following):
Responsible for evaluating and assessing the risk of Prime, Jumbo & Non-QM mortgage loan scenarios to ensure they meet company policies, investor guidelines, compliance, and industry regulations
Serve as the primary point of contact for the scenario desk, addressing inquiries encompassing a wide range of topics, including:
Responding to asset-related questions
Clarifying occupancy-related issues
Title, Appraisal and Insurance questions
Provide upfront Income analysis for the following:
Wage/Salary
Self-employment
RSU
DSCR calculations
Asset Depletion
Bank statement
Other variable types of Income
Work with Product development on Program offerings and launches
Handle Investor updates
Manage Program matrices and Sales support tools
Training Sales partners and underwriting department on Investor programs
Communication to Sales/Team members Income analysis results
Log and track all income review requests
Support Underwriting, Credit Policy and Product Development with tasks that arise surrounding the scenario desk including (but not limited to):
Investor relations
Collaboration with other departments
Assist Team Lead with tasks that arise surrounding the scenario desk including (but not limited to):
Facilitate the preparation of Exception requests received upfront on the inbox to review prior to escalating to Team Lead to ensure loan parameters meet general guideline requirements aside from variance outside guides being requested
Help develop resource tools to increase productivity and proficiency
Triage and expedite difficult/advanced questions to Team Lead
Train on and increase knowledge of loan programs, to provide additional scenario coverage on desk for the following programs:
DSCR (Debt Service Coverage Ratio)
Bank statement programs
Asset depletion programs
NON-QM products
Jumbo products
New products that are rolled out on new Investor loan programs
Qualifications (To perform the job successfully, the candidate should demonstrate the following competencies to perform the essential functions of this job.)
At least 5 years of Prime, Jumbo, NON-QM and Conventional underwriting experience
Strong proficiency in Microsoft Office (Outlook, Word, Excel, One Drive) and Adobe Acrobat, navigating the internet, and generally tech savvy.
Knowledge of Investor guidelines and overlays
Meeting company turn times and metrics
Navigation of multiple Investor portals
Meticulous with a focus on accuracy, demonstrating extreme attention to detail and critical thinking
Demonstrate a history of effective, proactive, and precise verbal and written communication
Demonstrate organizational skills and ability to prioritize, multi-task, manage time, problem solve, and work independently in a fast-paced environment
Initiative-taking attitude towards learning and staying updated on industry standards and development
Professional, friendly, courteous, positive, collaborative, and client‑centric that supports multiple departments.
Preferred Qualifications
Jumbo & Non‑QM experience preferred
Experience with MD (Mortgage direct)
Ability to triage and prioritize tasks effectively
Preferred Education
High School Diploma or Equivalent
Five (5)+ years of underwriting conventional underwriting experience in a Correspondent environment
The expected salary range for this position is between $100,000.00 - $147,200.00.
The range for the position in other geographies may vary based on market differences. The actual compensation will be determined based on experience and other factors permitted by law.
Benefits
Competitive pay
Benefits Offered: Medical, Dental, Vision, Life, Disability, Critical Care, Hospitalization, HSA, FSA, DCFSA and QTE
Retirement plan: 401(k) and Roth
Paid Time Off: 16 days front loaded. Prorated based on the start date month
11.5 paid holidays per year
Employee assistance program
Excellent career growth opportunity
Fun, team‑focused working environment
Employee driven community outreach program
Relocation packages available
The application window is anticipated to close on March 20, 2026.
We’re definitely not your average mortgage company. When you’re ready to grow your career AND your impact, we’re ready for you. We’re also one of the nation’s top lenders and are redefining corporate culture. We work hard, we have fun, we invest in our people and we make a difference. Sound like a plan? Good. Learn more at www.movement.com.
#J-18808-Ljbffr