Mortgage Credit Review

mello Consumer Lending | Plano, Texas Foothill Ranch, California


Position at loanDepot

Welcome to loanDepot 2.0, containing our newest operating unit-mello- to be led by newly appointed President and COO Zeenat Sidi, a fintech veteran with significant P&L leadership, digital transformation, risk management, operations, and strategy experience. Mello will develop innovative digital-first secured and unsecured lending products leveraging our diverse customer engagement channels, extensive performance marketing assets, and proprietary technology stack to deliver a fast and frictionless way for customers to fulfill their financial needs. This new operating unit gives us the flexibility to grow dynamically in new directions within our industry. We warrant a positive culture, promote teamwork & are continuously striving to take care of both our valued borrowers & our extraordinary employees. Come join us!

loanDepot — We are America’s Lender.

Position Summary:

Responsible for underwriting second mortgage loan applications for special products and performs credit reviews in accordance with company policies and procedures.


  • Responsible for underwriting loan applications; performs credit review in accordance with company policies and procedures.
  • Responsible for decision quality and manufacturing quality of all loans within the division.
  • Communicates to customers regarding any applicable additional requirements.
  • Evaluates the accuracy of loan documents.
  • Calculates or validates income using all approved sources of income.
  • Assesses loan attributes and documentation for soundness and accuracy.
  • Achieves monthly production goals while maintaining quality standards.
  • Provides exceptional customer service both verbally and written.


  • 3+ years experience in Underwriting non-1st mortgage products.
  • Experience in Consumer Lending Underwriting and Risk Analysis required.
  • Knowledge of credit, income and fraud analysis required.
  • Knowledge of tax return analysis for self employed borrowers required.
  • In office opportunity in Plano, TX or Foothill Ranch, CA. Hybrid model may be an option after 90 days based on performance.
  • Intermediate skills in computer terminal and personal computer operation; Microsoft Office applications including but not limited to: Word, Excel, PowerPoint, and Outlook.
  • Detail-oriented and accurate. Organized and able to multi-task. Flexible and ready to work in a dynamic production-based environment.
  • Effective organizational and time management skills.
  • Exceptional verbal, written and interpersonal communication skills.
  • Ability to work well under pressure and adjust to varied workload in fast paced environment.

Why work for #teamloanDepot:

  • Aggressive earning potential and 401K with robust company match           
  • Inclusive, diverse and collaborative culture where people from all backgrounds can thrive
  • Work with other passionate, purposeful and customer-centric people
  • Extensive internal growth and professional development opportunities including tuition reimbursement
  • Comprehensive benefits package including Medical/Dental/Vision
  • Wellness program to support both mental and physical health
  • Generous paid time off for both exempt and non-exempt positions

About loanDepot: 

Founded in 2010 by mortgage industry innovator Anthony Hsieh, our company is focused on creating a straightforward mortgage experience that meets—and exceeds—your expectations.

Our company’s growth reflects the success of our customer-centric approach. In our first decade alone, we’ve grown to become the nation’s fifth largest retail mortgage lender and the second largest nonbank retail originator, funding more than $275 billion since inception. Today, our nationwide team of 10,000-plus members assists more than 27,000 customers each month.

We are proud equal opportunity employers and committed to providing an inclusive environment based on mutual respect for all candidates and team members. Employment decisions, including hiring decisions, are not based on race, color, religion, national origin, sex, physical or mental disability, sexual orientation, gender identity or expression, age, military or veteran status or any other characteristic protected by state or federal law. We also provide reasonable accommodations to qualified individuals with disabilities in accordance with state and federal law.