Underwriter

Posted Friday, July 10, 2026 at 10:00 AM At Acra Lending our employees enjoy an opportunity to work with great people. We celebrate several events throughout the year accompanied by raffles and giveaways for employees nationwide. We are especially proud to give back to our community and truly enjoy one another's company. We are looking for candidates to join our team who are passionate about their vocation. Who are committed to making a contribution and are looking to gain experience in order to grow in their career. Our headquarters are located on a beautiful campus in Irvine, California and if you work out of our Irvine office we can also provide a free gym membership. Essential Duties and Responsibilities: Manually underwrite mortgage loan files. Review and analyze mortgage loan applications and supporting documents to ensure accuracy and completeness in order to make an informed lending decision in compliance with Acra Lending policies and guidelines Measure multiple events in an applicant’s file and review application contingencies to quantify associated risk. Exercise judgement to determine correct items to request from applicants and to make accurate credit decisions. Responsible for frontline underwriting of new loan files, suspense reviews, condition reviews, re-works, etc. while adhering to production standards, staying within established turn-time timeframes and meeting minimum loan quality standards Ability to perform duties and resolve issues without supervision and actively engage with supervisor to resolve complicated issues Computer literate to include experience using Microsoft applications with mortgage industry standard software. Experience with Doc Velocity (paperless system) and Byte Pro a plus Other duties as assigned Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Ability to develop strong understanding of Acra's Underwriting guidelines Experience performing manual underwrites of mortgage loan files Adept at performing analysis and evaluation of a credit request and identifying appropriate documents to request from applicants Experience making credit recommendations by measuring multiple events and quantifying the associated risks while adhering to guidelines and compliance requirements Ability to communicate effectively in both verbal and written form and ability to explain credit decisions Strong time management skills to effectively plan and organize a high daily loan volume Detail-oriented team player able to work constructively with fellow employees Self-motivated with good interpersonal skills Well organized and able to process detailed information with accuracy and efficiency Must be Proficient in English: speak, read, write Education and/or Experience: Minimum 3 years of recent experience frontline underwriting of residential mortgage loans Minimum five years of experience underwriting non-prime and “A” paper mortgage loans required Minimum 5 years of experience of state and federal lending regulations (i.e., Ability to Repay (ATR), RESPA, Reg B, Reg O, Reg Z, Fair Lending, etc.) Pay Range: $85,000 - $95,000 based on experience Language Skills Ability to read and comprehend simple instructions, short correspondence, and memos. Ability to write simple correspondence. Ability to effectively present information in one-on-one and small group situations to customers, clients, and other employees of the organization. Mathematical Skills Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent and to draw and interpret bar graphs. Reasoning Ability Ability to apply common sense understanding to carry out detailed instructions. Ability to deal with problems involving a few concrete variables in standardized situations. Computer Skills Advanced knowledge of Microsoft Office applications (Word, Excel, Outlook, etc). Benefits Our benefit offerings include: Medical, dental, vision, wellness programs, EAP counseling services, FSA & HSA, company sponsored life insurance for employee, voluntary life insurance for employee, spouse and child, AD&D Insurance, voluntary short-term and long-term disability, critical illness insurance, accident insurance, legal assistance, pet insurance, living will and trust preparation discounts, commuter program, annual walking challenge, employee appreciation events and monthly sales awards. At Acra Lending, we were founded with a clear purpose: to specialize in alternative income loan products that help borrowers qualify for our flexible loan programs. We operate in 39 States, out of nine offices in Arizona, California, Florida, Georgia, Hawaii, Missouri, Nevada, Texas, and Utah along with a growing team of remote professionals across the country. Throughout the mortgage industry, Acra Lending is widely known for responsible lending practices, product innovation and operational efficiency. The foundation of our Company is built on helping our customers by providing Non-QM mortgage solutions for today’s borrower in residential and commercial properties across America. Our Leadership team will encourage you to grow, make time to have fun, and work together to make great things happen. We embrace the strengths and values of each team member. We believe in having diverse perspectives where everyone is included, to serve customers from all walks of life. We reward our employees with a competitive salary and a variety of benefits to help our team members reach their health, retirement, and professional goals along with an exceptional 401k match program. We look forward to meeting you!