{"id":2635864,"url":"https://alion.io/job/trovy-underwriter","title":"Mortgage Underwriter","company":{"id":689541,"name":"Trovy","domain":"trovy.com","url":"https://alion.io/company/trovy","size_band":"51-200","is_staffing_agency":false,"employer_type":"direct","is_intermediary":false,"listed_via":null,"ats_vendor":"Ashby","truth_index":null},"role":"Finance","role_family":"Finance","seniority":"senior","employment_type":"full_time","work_mode":"on_site","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["Salt Lake City, United States"],"countries":["US"],"hiring_countries":[],"hiring_countries_total":0,"salary":{"min":35,"max":53,"currency":"USD","period":"hour","gross":null,"usd_annual":106000},"salary_estimate":null,"experience_years_min":5,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[],"status":"live","first_seen_at":"2026-10-15T16:02:15Z","employer_posted_date":"2026-10-15","last_verified_at":"2026-10-28T03:57:23Z","board_verified":true,"closed_at":null,"days_open":12,"trust":{"level":"ok","repost_count":null,"flags":[],"days_open":12},"description":"About Trovy\nTrovy is building the financial platform for America’s 86 million homeowners for managing their homes and accessing low rate credit. We believe homeowners’ biggest asset should unlock their best financial options: bypass the myriad of expensive, rigid credit products and replace them with one simple, powerful solution built around their home equity. Backed by Left Lane, Kleiner Perkins, DCM, and Camber Creek, Trovy is led by a team of proven fintech innovators on a mission to make homeownership and personal finances more manageable.\nRole Overview\nAs an Underwriter, you’ll be a core member of Trovy’s credit team, making sound, well documented credit decisions on HELOC applications. You’ll take on our most complex files, especially self employed borrowers and business owners whose income runs through S corporations, partnerships, LLCs, and sole proprietorships. We’re looking for an experienced underwriter who can read a tax return like a story, knows where the risk hides, and can help us sharpen the credit policy and procedures behind every decision. This is not a sales role. Your success is measured by decision quality, accuracy, and consistency.\nWhat You'll Do\nUnderwrite HELOC applications from start to final decision, evaluating income, credit, assets, collateral, and title against Trovy’s credit policy\n\nPerform complex income analysis for self employed borrowers, including Schedule C, Schedule E, K-1s, and business returns (Forms 1120S, 1065, and 1120), using business cash flow analysis consistent with Trovy’s credit policy\n\nAssess business stability and the borrower’s access to business income, including ownership percentage, distributions, liquidity, and year over year trends\n\nCalculate and validate employment, rental, investment, and other income types, and verify income through tax transcripts, paystubs, W-2s, and third party verification tools\n\nReview credit reports, calculate DTI, and evaluate credit history, liabilities, and any layered risk factors\n\nEvaluate collateral using AVMs and other valuation tools, and review lien position, title, and property ownership, including trust held property\n\nIdentify red flags and potential fraud, and condition or escalate files appropriately\n\nClearly document the rationale for every decision, including exceptions and conditions, so files are audit ready\n\nCommunicate conditions and document requests clearly to the operations team and, when needed, to borrowers\n\nSupport adverse action processes and ensure decisions comply with ECOA and Reg B, FCRA, and fair lending requirements\n\nHelp build Trovy’s underwriting playbook: draft procedures, income worksheets, and job aids, and flag policy gaps or inconsistencies as you find them\n\nPartner with credit policy, operations, and product teams to improve decisioning workflows, automation, and the applicant experience\n\nStay current on Trovy’s credit policy, state specific requirements, and applicable lending regulations\n\nWhat We're Looking For\nAt least 5 years of mortgage or home equity underwriting experience, with substantial experience underwriting self employed borrowers\n\nExpert command of complex income analysis, including personal and business tax returns, K-1s, business cash flow analysis, and comparative year over year income review\n\nExperience applying written credit policy and income guidelines consistently; non QM or HELOC experience is a strong plus\n\nSolid understanding of credit, collateral, and title review, including CLTV, lien position, and valuation methods such as AVMs\n\nWorking knowledge of Reg Z (TILA), ECOA and Reg B, FCRA, and fair lending principles\n\nExperience with a loan origination system and third party verification tools\n\nSound, independent judgment; you can make a decision, defend it in writing, and know when to escalate\n\nHighly organized with strong attention to detail; you keep your work accurate and well documented even when volume picks up\n\nClear written and verbal communication; you can explain conditions and decisions in plain language\n\nA process oriented approach with a bias toward improvement; you’ve seen how strong credit shops operate and can help us build the right processes\n\nComfort working in a startup environment where processes are still being built\n\nCompensation & Benefits\nCompetitive Pay: $35.00 - $53.00 an hour plus monthly target bonus\n\nOwnership: Equity participation so you share in Trovy’s growth\n\nSuccess: No sales commissions; your success is measured by customer outcomes, not volume\n\nPTO: Paid time off, paid holidays, and floating holidays\n\nLocation: On-site; Salt Lake City, Utah\n\nBenefits: 100% company sponsored health, dental, vision, and life insurance. We also offer commuter benefits, HSA, 401k and more!\n\nOther perks: Free lunch in the office every Friday!","description_format":"text","description_chars":4793,"description_truncated":false,"requirements":{"experience_years_min":5,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[]},"benefits":["401k plan","Equity","Life insurance"],"hiring_locations":[],"hiring_excludes":[],"relocation_offered":false,"industries":["Cards & Card Issuing","Mortgage Lending & Brokers"],"lifecycle":[{"event":"open","at":"2026-10-15T17:19:57Z"}],"visa":[],"liveness":{"score":84,"band":"hot","label":"Hiring now","p_open":1,"p_active":0.842,"p_room":1,"age_days":12,"expected_fill_days":36,"reasons":["conf:2","win:early"],"computed_at":"2026-10-28T05:59:10Z"},"pay":{"stated_usd_annual":106000,"is_top_pay":false},"html_url":"https://alion.io/job/trovy-underwriter","json_url":"https://alion.io/job/trovy-underwriter.json","meta":{"generated_at":"2026-10-28T07:37:59Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","about":"Alion is a live layer of people, companies and AI agents: who they are, whether they are real and active right now, what they do and how to work with them, readable by people and by agents and paid per call.","catalog":"https://alion.io/catalog.json","usage":{"tier":"crawler_verified","counted_by":"address","units_charged":1,"used_today":9735,"day_limit":null,"remaining_today":null,"minute_limit":300,"resets_at":"2026-10-29T00:00:00Z"}},"offers":[{"id":"company.slices","title":"One company in depth, by slice","status":"live","price":{"credits":0.02,"usd":0.002,"plus_per_slice":{"credits":0.05,"usd":0.005}},"unit":"per company, plus each slice with data","note":"the employer in depth","call":{"mcp_tool":"get_company","arguments":{"id":689541},"rest":"https://alion.io/mcp/rest/get_company?id=689541"},"human":"https://alion.io/catalog?offer=company.slices&for=job%2Ftrovy-underwriter"},{"id":"market.stats","title":"A market slice: pay, demand and time to fill","status":"live","price":{"credits":1,"usd":0.1},"unit":"per slice","note":"pay, demand and time to fill for this role and place","call":{"mcp_tool":"market_stats"},"human":"https://alion.io/catalog?offer=market.stats&for=job%2Ftrovy-underwriter"},{"id":"job.search","title":"Open jobs by role, technology, place, pay and visa","status":"live","price":{"credits":0.02,"usd":0.002},"unit":"per posting in a list","note":"similar open postings","call":{"mcp_tool":"search_jobs"},"human":"https://alion.io/catalog?offer=job.search&for=job%2Ftrovy-underwriter"},{"id":"company.verify","title":"Is this company real and active right now","status":"pilot","price":null,"unit":"per company","request":{"url":"https://alion.io/catalog/request","method":"POST","body":"{\"offer\": \"company.verify\", \"for\": \"job/trovy-underwriter\", \"note\": \"what you need it for\"}"},"human":"https://alion.io/catalog?offer=company.verify&for=job%2Ftrovy-underwriter"}],"agent":{"mcp":"https://alion.io/mcp/jobs","mcp_open":"https://alion.io/mcp/open","next":[{"tool":"get_job","arguments":{"id":2635864}},{"tool":"search_jobs","arguments":{"company":"trovy.com","detail":"compact"}},{"tool":"match_people","arguments":{"job_id":2635864},"note":"people open to offers who fit this vacancy"}],"note":"The same data through MCP tools: https://alion.io/mcp/open needs no sign-in (compact searches, postings, people); https://alion.io/mcp with an Alion account has everything. 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