Trovy
Mortgage Underwriter
Salt Lake City · On-site · Full-time · Posted Oct 15, 2026
- Experience
- At least 5 years of mortgage or home equity underwriting experience.
About the job
Underwrites HELOC applications, especially complex self-employed borrower files, and helps improve Trovy’s credit policies and underwriting processes.
What you'll do
- Evaluate income, credit, assets, collateral, title, and risk factors to make and document HELOC decisions.
- Analyze self-employed and business income, identify red flags, and condition or escalate files as appropriate.
- Help develop underwriting procedures and improve decisioning workflows with policy, operations, and product teams.
What they ask for
- At least 5 years of mortgage or home equity underwriting experience, including substantial experience underwriting self-employed borrowers.
- Expertise in complex income analysis, including tax returns, K-1s, business cash flow, and year-over-year income review.
- Working knowledge of Reg Z (TILA), ECOA and Reg B, FCRA, and fair lending principles.
- Experience with a loan origination system and third-party verification tools.
Nice to have
- Non-QM or HELOC underwriting experience is a strong plus.
Pay
$35.00 - $53.00 an hour (base pay)
Tools
Schedule C, Schedule E, K-1s, Forms 1120S, 1065, and 1120, AVMs, Reg Z (TILA), ECOA and Reg B, FCRA
Model-written summary · the original posting is authoritative