Mortgage Underwriter

Bachelor’s degree in finance, economics, business, real estate, or a related field, or equivalent professional experience.

2+ years of experience in residential mortgage, real estate, or investment underwriting; experience in senior or escalation-focused roles is strongly preferred.

Strong understanding of property valuation, credit analysis, income underwriting, and residential real estate risk factors.

Experience handling underwriting exceptions and escalations with sound judgment and clear documentation.

Highly detail-oriented with the ability to manage multiple priorities in a fast-paced environment.

Strong written and verbal communication skills, with the ability to clearly articulate underwriting decisions and risk considerations.

The Unison team draws on a deep and wide range of talent across several disciplines. Visionaries in investment management, product development, and financial technology are joined by innovative real estate and consumer finance experts creating a unique culture.

Perks of the Unison employee include: competitive salaries, 100% paid medical and dental benefits, generous PTO policy, paid parental leave program, and fantastic downtown SF and Omaha locations, as well as being an integral part of a well-funded market leader with incredible momentum.

About us:

Unison is a San Francisco-based company that is pioneering a smarter, better way to own your home. Until now, the only way to finance a home was by taking on debt. Through the Unison Agreement, we help homeowners access their equity flexibly with no monthly payments or interest. We enhance home affordability, reduce debt, and deliver a less risky way for homeowners, investors, and society to think about their most important asset - the home. For additional information, visit www.unison.com or follow us on Facebook, Instagram, LinkedIn, Twitter and YouTube.

The last few years have been record breaking for Unison. We expanded our offering to 30 states, surpassed the $5B mark in real estate investments and partnered with over 7K customers through our HomeBuyer and HomeOwner programs. This tremendous growth was recognized by the Deloitte Technology Fast500 awards two years in a row as well as being included in the most recent Forbes Fintech50.

Unison provides equal employment opportunity to all individuals regardless of their race, age, creed, color, religion, national origin or ancestry, sex, gender, disability, veteran status, genetic information, sexual orientation, gender identity or expression, pregnancy, or any other characteristic protected by state, federal, or local law.

As a Mortgage Underwriter (Investment Underwriter) on Unison’s Operations team, you will play a critical role in evaluating the risk and soundness of Unison’s residential real estate investments. This position is responsible for conducting thorough due diligence across property valuation, creditworthiness, and income analysis to ensure each investment aligns with Unison’s underwriting standards and risk framework.

Unison’s proprietary technology provides underwriters with a comprehensive, data-driven view of each transaction. Senior Investment Underwriters bring judgment, rigor, and experience to complement this technology, applying disciplined analysis and a principled approach to decision-making. As advanced users of Unison’s underwriting tools, you will also contribute to the continuous improvement of underwriting processes and automation initiatives, helping scale the business while maintaining strong risk controls.

This is a hybrid position with a requirement of 3 full days in our Omaha, Nebraska office.

Perform comprehensive underwriting reviews of residential real estate investments, including property valuation, applicant credit, and income analysis.

Review and assess residential appraisals to ensure compliance with Unison underwriting guidelines and valuation standards.