Senior Mortgage Underwriter

Pylon • Phoenix, AZ

2d

About The Position

Pylon is building a vertically integrated mortgage platform that turns origination into a single API. The Senior Mortgage Underwriter will join the Platform team, underwrite loans end to end, and provide expert human judgment behind the company’s automated Decisioning engine to support efficient, compliant loan origination. The role involves working directly with customers on complex files and providing hands-on feedback to product and engineering teams so the platform can automate more underwriting over time.

This is a technology-focused role in a regulated industry, rather than a position at a traditional mortgage lender. The underwriter is expected to balance performance with compliance, take ownership of outcomes, favor scalable software solutions over operational workarounds, and help customers and borrowers succeed. The role also oversees third-party fulfillment partners and contributes ideas and expertise to improve the product, team, and mortgage fulfillment infrastructure.

Requirements

• At least 3 years of underwriting experience across diverse loan types, including Conventional, Jumbo, Non-QM, and Government loans for purchase and refinance.
• Expert-level knowledge of the entire mortgage lending process.
• Detailed underwriting knowledge specific to loan requirements.
• Comprehensive understanding of federal, state, and regulatory guidelines related to residential mortgage lending.
• Ability to operate in a highly regulated industry while optimizing performance, with a compliance-first approach.
• Ability to oversee third-party fulfillment partners and drive consistent, high-quality, on-time results.
• Strong, principled opinions and willingness to articulate and defend decisions.

Nice To Haves

• Experience working on mortgage products within a fintech environment.

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 second-level reviews, handle exceptions, and manage escalations to ensure quality control.
• Regularly assess and enhance underwriting systems to ensure smooth file flow, 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 improve the product and optimize fulfillment infrastructure.
• Maintain a comprehensive understanding of mortgage origination and regulations to ensure compliance.
• Work directly with customers on complex files and provide feedback to product and engineering teams.
• Oversee third-party fulfillment partners to ensure high-quality, on-time originations.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed