Scenario Desk

Champions Funding • Gilbert, AZ

1d

About The Position

Evaluate and model complex Non-QM loan scenarios, including alternative income, multiple properties, and non-traditional credit profiles. Provide structured analysis and recommendations to underwriting, credit policy, and operations teams. Collaborate with underwriters to assess risk, pricing, and eligibility for unique borrower scenarios. Maintain up-to-date knowledge of company credit policies and lending parameters to ensure scenario evaluations are accurate and compliant. Partner with capital markets to ensure loan scenarios align with funding strategies and investor expectations. Prepare scenario documentation, presentations, and reports for internal teams and leadership review. Identify trends, patterns, or issues within borrower scenarios to inform policy updates or operational improvements. Support training and guidance for underwriting and operations teams on complex loan structures. Monitor pipeline of challenging loan scenarios and provide timely recommendations to facilitate production flow.

Requirements

• 3–5 years of experience in mortgage underwriting, credit analysis, or mortgage product structuring.
• Strong analytical and quantitative skills with experience modeling complex mortgage scenarios.
• Deep understanding of Non-QM mortgage products, alternative income documentation, and non-traditional credit profiles.
• Experience working with mortgage loan pipelines and production systems, preferably Encompass LOS.
• Excellent written and verbal communication skills to present findings clearly and concisely.
• Strong problem-solving abilities and attention to detail.
• Ability to collaborate effectively across underwriting, operations, and capital markets teams.

Nice To Haves

• Advanced degree preferred.

Responsibilities

• Evaluate and model complex Non-QM loan scenarios, including alternative income, multiple properties, and non-traditional credit profiles.
• Provide structured analysis and recommendations to underwriting, credit policy, and operations teams.
• Collaborate with underwriters to assess risk, pricing, and eligibility for unique borrower scenarios.
• Maintain up-to-date knowledge of company credit policies and lending parameters to ensure scenario evaluations are accurate and compliant.
• Partner with capital markets to ensure loan scenarios align with funding strategies and investor expectations.
• Prepare scenario documentation, presentations, and reports for internal teams and leadership review.
• Identify trends, patterns, or issues within borrower scenarios to inform policy updates or operational improvements.
• Support training and guidance for underwriting and operations teams on complex loan structures.
• Monitor pipeline of challenging loan scenarios and provide timely recommendations to facilitate production flow.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level