WHO WE ARE...
Maxwell, founded in 2015 by homebuyers frustrated with the mortgage process, has created a platform that streamlines and speeds up loan closings by over 45%. Our mission is to democratize mortgages by making them more accessible and efficient, reducing stress for borrowers and helping lenders stay compliant.

We are committed to a supportive, diverse, and inclusive culture, living our values of Rigor, Ownership, Curiosity, Kindness, and "Straight Up" to promote equality and financial empowerment. Intrigued? Say hello!

WHO YOU ARE 

The Underwriter role is responsible for reviewing mortgage loan applications and deciding on its approval or rejection by evaluating the submitted documents and the applicant's eligibility.

• Highly analytical with excellent communication skills 

• Able to thrive in a fast-paced, multi-tasking environment 

• Well-versed in federal and state mortgage regulations (TILA, ECOA, RESPA, etc.) 

• Skilled in appraisal review and risk assessment 

• Organized with strong customer service orientation 

• Expert user of AUS systems (DU, LP) 

• Proficient in underwriting complex purchase and refinance transactions 

• Capable of full manual underwriting across all loan types 

• Self-directed with the ability to collaborate effectively in a team environment 

• Deeply knowledgeable of current FNMA/FHLMC; VA, FHA, and USDA underwriting guidelines 

• Have significant experience in underwriting state bond loans.  

• Conversant with QM (Qualified Mortgage) and ATR (Ability to Repay) regulations 

 
WHAT YOU’LL BE DOING… 

• Conduct thorough reviews of loan files to identify deficiencies, risks, and compliance issues 

• Issue clear, concise, and accurate loan conditions  

• Meet or exceed established turn-time standards 

• Analyze complex income scenarios, including multi-year tax returns 

• Collaborate positively with processors and loan officers to move files efficiently to closing  

• Accurately input and validate loan data within the client operating system 

• Run and interpret AUS findings and vendor reports 

• Complete in-depth appraisal reviews, approving or escalating as appropriate 

• Review and clear conditions promptly while maintaining service-level agreements 

• Meet quality control and audit performance targets 

• Manage multiple loans, multiple REOs per borrower as needed 

• Complete all Maxwell-mandated training within required deadlines to maintain regulatory and operational proficiency. 

IDEALLY, YOU’LL HAVE... 

• 7+ years current experience in residential mortgage lending. 

• The ability to manually and using AUS, underwrite complex residential mortgage loans, including Conventional, FHA, VA, USDA, Non-QM, DSCR, state bond loans, and construction loans (1X and 2X close) 

• Manually underwrite and validate loan files that fall outside automated approval parameters 

• Perform comprehensive income calculation and analysis (W-2, self-employed, tax returns), assets, credit, collateral, and other risk factors 

• Review and approve appraisal reports for accuracy, risk, and guideline compliance 

• Ensure loans meet investor guidelines (FNMA, FHLMC, GNMA), regulatory requirements (QM, ATR), and applicable credit policies 

• Issue clear and actionable conditions; review cleared conditions for sufficiency 

• Maintain service-level standards for underwriting turn times and condition reviews 

• Participate in pre-funding and post-closing quality control processes to ensure loan salability 

• Serve as a subject matter expert for underwriters, processors, and loan officers on guideline interpretations 

Compensation Range: $36 - $38.46/hr

Not sure you meet all of our ideals? We’re a company focused on capabilities and 
would still love to hear from you, so please apply! 

WHAT WE OFFER YOU

An opportunity to be a key part of an agile team of thinkers and doers collaborating to change a multi-trillion dollar industry. We offer meaningful equity at a growth-stage company, a competitive salary, top-tier medical, dental, and vision insurance, and flexible work hours and vacation time. Here are our awesome benefits in black
and white:

• Competitive pay and meaningful equity as an employee at a fast-growing, venture-backed company. We want you to participate and make decisions as an owner with our future in mind
• Employee-centric environment - initiatives in place to create an environment of belonging and inclusion and career path plans based on achievable goals and not tenure or nepotism.
• A 401(k) and top-tier insurance plans to select from along with a FSA and HSA where you can set aside pre-tax money for out-of-pocket expenses
• Flexible time off plus all 11 major holidays and 2 floating holidays for your birthday,
  religious holiday or other special day of your choice
• Two volunteer days - paid days off to volunteer each year at the charity of your choosing

OUR APPLICATION PROCESS

At Maxwell, we value our differences, and we encourage all—especially those whose identities are traditionally underrepresented in tech organizations—to apply. Maxwell is an equal-opportunity employer. We do not discriminate on the basis of race, religion, color, gender expression or identity, sexual orientation, national origin, citizenship, age, marital status, veteran status, disability status, or any other characteristic protected by
law.