Deal Desk Manager

This is a fully remote position, open to applicants in California.

📋 Description

• Assess and analyze intricate loan scenarios to determine eligibility, structure, and possible approval pathways.

• Review requests for underwriting exceptions and guideline variances, evaluating associated risks and business implications.

• Act as a subject matter expert on company, agency, investor, and regulatory standards.

• Collaborate with Sales, Account Management, Underwriting, and Operations teams on challenging loan transactions.

• Investigate and interpret underwriting guidelines to support decision-making and ensure consistency.

• Identify compensating factors and alternative structuring options.

• Elevate high-risk or precedent-setting cases to senior credit leadership with pertinent recommendations.

• Convey guideline interpretations and risk evaluations to internal stakeholders.

• Track exception trends and suggest enhancements for processes, policies, and training.

• Engage in quality control initiatives.

• Stay updated on changes in agency, investor, regulatory, and market guidelines.

• Support special projects, product implementations, and guideline rollouts.

⛳️ Requirements

• High school diploma or equivalent is mandatory.

• Minimum of 5 years of mortgage underwriting experience with a strong understanding of agency, government, non-QM, and investor guidelines.

• At least 2 years of experience analyzing complex loan scenarios, exception requests, or escalated credit-risk decisions.

• Proficient in interpreting and applying complex guidelines while demonstrating sound judgment in uncertain situations.

• Strong analytical, critical thinking, and problem-solving abilities.

• Exceptional verbal and written communication skills.

• Excellent organizational abilities and capability to manage multiple priorities effectively.

• Reliable internet connection and a quiet, professional workspace are essential.

• Bachelor’s degree in Business, Finance, Accounting, or a related field is preferred.

• DE, SAR, LAPP/SAR, or other advanced mortgage underwriting certifications are preferred.

• Experience with Deal Desk, Credit Policy, Credit Risk, Underwriting Support, or guideline exception review is preferred.

• Familiarity with Correspondent and Wholesale mortgage channels is preferred.

• Previous leadership, mentoring, or team management experience is preferred.

• Experience collaborating with Sales, Underwriting, and Operations teams is preferred.

• Knowledge of investor relations, product development, and mortgage credit policy implementation is preferred.

• Experience analyzing exception trends and recommending enhancements in processes, policies, or training initiatives is preferred.

• Strong presentation and stakeholder management skills are preferred.

🏝️ Benefits

• Fully remote work option from the employee’s home or another approved off-site location.

• Company-provided computer, headset, and webcam.

• Occasional travel to one of the office locations.