What are the responsibilities and job description for the Credit Specialist (JUMBO) position at Russell Tobin?
We are seeking an experienced Credit Specialist to evaluate loan risk, support sellers, and ensure the quality of mortgage loans meets internal guidelines. This role requires deep expertise in underwriting, strong decision-making abilities, and a client-focused approach in a fast-paced environment.
Key Responsibilities
- Analyze non-agency mortgage loans for underwriting quality and guideline compliance
- Evaluate and approve credit exceptions, waivers, and eligibility scenarios
- Provide feedback and guidance to sellers and third-party partners
- Communicate underwriting decisions and compensating factors clearly
- Identify loan quality trends and support credit policy improvements
- Act as a subject matter expert on underwriting guidelines and compliance
- Collaborate with internal teams (trading, sales, legal, compliance) and external stakeholders
Qualifications
- 8 years in the mortgage industry with 5 years in underwriting
- Strong experience in Jumbo underwriting (required); Non-QM preferred
- Prior leadership or team lead experience is a plus
- Expertise in loan documentation, credit analysis, and risk assessment
- Excellent communication, problem-solving, and client service skills
*** Salary- $100,000 - $110,000 Base
Benefits Info
Russell Tobin offers eligible employee’s comprehensive healthcare coverage (medical, dental, and vision plans), supplemental coverage (accident insurance, critical illness insurance and hospital indemnity), 401(k)-retirement savings, life & disability insurance, an employee assistance program, legal support, auto, home insurance, pet insurance and employee discounts with preferred vendors.
Salary : $100,000 - $110,000