Job description
About the Company
Valon’s mission is to empower every homeowner. We believe the journey of home ownership starts when you get your keys, but lasts far beyond. We’re creating a world where home ownership comes with ease, security, and financial know-how. Our growing team of engineers, operators, product enthusiasts, and experienced servicing professionals are leveraging technology to fundamentally improve the homeownership experience. Through mortgage servicing—the process of paying off one’s mortgage—Valon is taking the first step in transforming the industry one homeowner, and lender, at a time.
Lending at Valon
Valon is currently scaling up its mortgage lending business, which aims to provide Valon homeowners the ability to access low cost and streamlined mortgage loans and Valon partners tools to retain customers. As a member of the Lending team, you will be directly involved in making it faster, easier, and cheaper for homeowners to get loans by reinventing the homeowners journey. We are looking for experienced and innovative individuals who are eager to transform the mortgage industry for the better to help build our team and business.
About the Role
We are seeking a skilled and detail-oriented VA Mortgage Underwriter to join our Consumer Direct Lending team. In this role, you’ll be responsible for underwriting VA mortgage loans in accordance with VA guidelines, internal credit policy, and investor requirements. You’ll play a critical role in ensuring our borrowers experience a fast, accurate, and smooth underwriting process—while helping Valon maintain high standards of compliance and service.
Responsibilities
- Review and underwrite VA mortgage loan files (purchase and refinance) to ensure compliance with VA, investor, and company guidelines
- Analyze credit, income, asset, title, and appraisal documentation for completeness and accuracy
- Render timely and accurate underwriting decisions and issue conditional loan approvals or denials
- Communicate effectively with Loan Officers, Processors, and other stakeholders to gather additional documentation as needed
- Stay current with changes in VA underwriting guidelines and proactively apply updates to your work
- Help identify process improvements and assist in the development of underwriting best practices
- Ensure compliance with all applicable regulatory and company requirements, including VA SAR responsibilities (if applicable)
Ideal Background
- 10+ years of mortgage underwriting experience
- 5+ years of VA experience
- Bachelor’s degree or equivalent work experience
- Strong communicator with excellent writing skills
- High integrity with strong ethical values
- Team player with the ability to work effectively with a variety of team members
Minimum Qualifications
- 3+ years of recent VA mortgage underwriting experience
- An active VA SAR credential is preferred
- Deep knowledge of VA guidelines, AUS (DU/LP), and federal lending regulations
- Strong analytical skills with a high level of attention to detail
- Ability to thrive in a fast-paced, high-volume lending environment
- Excellent communication and organizational skills
- Experience in a consumer-direct lending environment is a plus
- Comfortable working remotely and using modern loan origination systems and collaboration tools
What We Can Offer
- Compensation: competitive salary and 401k plan
- Health & well-being: we’ll invest in your physical and mental well-being with comprehensive medical, dental, & vision benefits, One medical membership, and Talkspace to provide mental health support
- Food & meals: in-office snacks and drinks, Bagel Fridays and regular Food Trucks on premise
- Commuter benefits: We offer pre-tax deductions for public transportation, rideshare services, and parking expenses to make your commute more affordable and convenient.
- Grow together: Company wide orientation for you to successfully onboard and other learning & development opportunities including regular review cycles that feature 360 degree feedback
- Generous time off: 17 days paid time off, sick days, and 11 company holidays
This Base Compensation pay range applies to our New York City located staff and may differ according to location.
New York Base Compensation Pay Range
$76,500—$103,500 USD
Throughout the interview process, please remember that emails will only be from valon.com emails. We won’t ever be asking for any personally identifiable information during the interview process itself. Please reach out to [email protected] if you have any requests to verify the authenticity of an outreach.
Valon is an equal opportunity employer that is committed to diversity and inclusion in the workplace. We prohibit discrimination and harassment of any kind based on race, color, sex, religion, sexual orientation, national origin, disability, genetic information, pregnancy, or any other protected characteristic as outlined by federal, state, or local laws. Valon makes hiring decisions based solely on qualifications, merit, and business needs at the time.
