CIVIC Financial Services is a private money lender, specializing in the financing of non-owner-occupied residential investment properties.
CIVIC provides Mortgage Brokers and Real Estate Investors with a fast, cost-effective funding source for their real estate investment needs.CIVIC is committed to creating a workplace where our people thrive, which translates into a culture of inclusion, recognition, and success for our teammates and clients alike.
Since 2016, CIVIC has been recognized by Best Workplaces and Fortune as a Great Place to Work, and CIVIC’s employee engagement ranks among the top 5% of companies nationally.Whether you are an entrepreneur, an innovator, a game changer, a creative, a problem-solver, a thinker, or an operator we have all kinds.
CIVIC is the place for smart, ambitious, dedicated people who work hard and play nice.Yes, our business is in real estate investing…
but our greatest investment is in you!The Underwriter I (UW I) facilitates the underwriting function to ensure loan packages present an appropriate level of risk and continuous production of business products that are compliant with all regulations of law and internal company principles.
This role has the ability to independently decision loans which fit guidelines for loan amounts up to $500,000 per Civic’s Authority Matrix.
Larger loan amounts and deal exceptions may also be underwritten with a required risk management second review process.What you’ll do:Prepare careful, detailed analysis of loan packages to determine if a potential borrower presents an appropriate level of risk; performs all necessary functions to effectively and efficiently process underwriting role.
Will conduct a continuous underwriting of assigned loans to ensure effectiveness and proactivity for any upcoming requirements.Maintain knowledge of policies and procedures, using this knowledge to make sound judgements on every package reviewed.Ensure a high level of understanding of business products, process flow, and financial underwriting practices.
Has a demonstrated knowledge of manual underwriting and data validation.Evaluate applications for loans and with independent decision making regarding whether to approve for financing.
Maintains a monthly total of 50 or more initial and final decision making productivity.Ability to underwrite loans up to $500,000 as per the company’s Authority Matrix.Communicates and is transparent of any encountered loan issues and discrepancies.
Holds self accountability.Fosters a cooperative and harmonious working climate conducive to maximize employee morale and productivity.Performs other duties and responsibilities as required or requested.Supports development of peers and self.What you’ll need:Associate’s Degree from an accredited college required; Bachelor’s degree preferred; or a combination of education and experience.5+ years’ underwriting, loan processing or quality control experience; 2+ years’ experience inprivate/hard money lending space preferred.Working knowledge and use of MS Office, imaging system and internet.
Although not required, experience working with LOS Encompass is a plus.Should possess strong organizational and multi-tasking skillsFlexible with the ability to adapt to changes quicklyPossesses problem solving and analyzing skillsStrong verbal and written communication skillsThinks ahead and anticipates needs based on prior experiences; makes an effort to act in advance either to prepare for a situation or to prevent itPersonal effectiveness and credibilityProven financial management knowledge Holds discretion and conducts themselves in the highest ethical standardHigh level of detailWhat’s in it for you?We have a strong focus on going above and beyond when it comes to caring for our team members and our communities.
In addition to traditional benefits like health insurance, 401K matching, casual Fridays, paid vacation, holidays and sick leave, we’re proud to offer these unique and enriching work perks:Celebrations: When we say we “work hard and play hard,” we mean it!
We like to celebrate often via onsite, offsite, and virtual happy hours, themed parties, parking lot BBQ’s, milestone ceremonies, birthday gift cards, and Workout Tuesdays (to name a few).Investments: As we are in the lending space, we believe we should consistently and frequently invest in our CIVIC team.
We support our teammates in paying off student debts and invest in your education with a tuition reimbursement program.Flexible Work Environment: Work-life balance is important.
We work with you to determine the best work style for you and CIVIC.Office Life: We like to make sure that when you are in the office, you are well fed and can access the resources you need.
Our kitchens are stocked with snacks and beverages, and we have created an office spaces dedicated to collaboration, focus time, creativity while ensuring team members safety.Education: We offer an online curriculum of courses through our own CIVIC University.
We also created programs to support you and your manager in career development discussions.#CIVICCares Initiative: From beach cleanups, food and clothing drives, building homes for Habitat for Humanity, to volunteer hours, CIVIC provides several opportunities throughout the year for our team to step outside the office, bond, and come together to give back to our local communities.CIVIC is an Equal Opportunity Employer and welcomes applications from all suitably qualified persons regardless of their race, sex, disability, religion/belief, sexual orientation, or age.