Sierra Pacific Mortgage Company, Inc.
July 2, 2019
Mission Viejo, California
Job Type


Job purpose

This position is responsible for approval or denial of conventional mortgage loans based on adherence to company, investor and FNMA/FHLMC requirements.


Duties and responsibilities

  • Accurately underwrite a minimum of 2-3 new loan files per day, volume permitting, to determine whether buyer, property and loan conditions meet SPM and investor standards
  • Evaluate complex loan scenarios, loan applications, inspection reports and financial reports to assess financial risk, including potential fraud
  • Request addition information when needed and set loan conditions
  • Review and sign off on underwriting and closing conditions as they are met
  • Respond to originator/processor questions regarding loan programs, clarification of loan conditions and status of loans in process
  • Submit loans through the appropriate AU system and validate findings
  • Use thorough understanding of products/requirements to provide consultation regarding viable loan alternatives
  • Work with vendors to order appraisal and mortgage insurance-related items
  • Perform other duties and/or mortgage related tasks as assigned



  • Knowledge of standard underwriting practices, procedures and guidelines
  • Demonstrated ability to calculate self-employment income
  • Demonstrated ability to communicate effectively in a professional manner and setting
  • Strong ability to prioritize with a keen sense of urgency and attention to detail
  • Able to read and interpret various loan documents such as promissory notes, regulatory and legal directives and other loan documents
  • Able to plan and organize tasks and work responsibilities to achieve objectives
  • Able to complete work in a timely and consistent manner
  • Able to define problems, collect data, establish facts and provide information to resolve the situation
  • Able to work well under pressure, meet multiple and sometimes competing deadlines
  • Able to interpret an extensive variety of technical instructions
  • Able to apply basic math; calculate figures and amounts such as discounts, interest, commissions and percentages
  • Intermediate Excel skills, including formulas and pivot tables and AUS Systems



  • Facilitate an excellent working relationship with internal and external customers by developing and maintaining respect, communicating effectively and providing excellent customer service
  • Maintain a high level of integrity, confidentiality and trust
  • Exercise personal initiative in organizing and completing tasks according to established product guidelines and team needs
  • Effectively problem solve by using judgment based upon knowledge of existing management policies and departmental practices and procedures
  • Meet established productivity and task management standards
  • Demonstrate a commitment to the Company Culture
  • Respond to phone calls and emails within a timely manner



  • FHA DE and VASAR (LAPP) certificates preferred



  • High school diploma or equivalent required
  • Minimum of 3 years of mortgage lending experience with 1 year of underwriting exposure, or equivalent combination required


Working conditions & Physical requirements

  • Able to navigate a standard office environment
  • Able to attend meetings off-site, on occasion

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Company Description

Headquartered in Folsom, CA, Sierra Pacific Mortgage provides quality mortgage lending services throughout the US. Incorporated in 1986, we are a privately held company and have originated and purchased billions in residential loans. Our high company production levels and sophisticated capital markets access allows us to deliver competitively priced products to brokers, retail originators and consumers.

Steering the company's vision and success since 1986, President, Jim Coffrini, has led the company and our growing team of dedicated mortgage professionals into one of the most profitable mortgage banking firms in the industry. Goal-oriented and committed to the future of Sierra Pacific, Mr. Coffrini has built the Company upon the foundation of quality lending practices, unparalleled service, integrity and industry knowledge.

Sierra Pacific is recognized as a Top Residential Lender and has been recognized by Mortgage Technology as a "Top 25 Tech-Savvy Lender"​ for 4 consecutive years (2010-2013).

What Sets Us Apart:
• Competitive pricing and broad array of products
• Full service approach to enable you to compete for business and close efficiently and profitably
• Paperless, fast and convenient origination process
• Experienced mortgage executives and professional sales people with a commitment to your success

Sierra Pacific Mortgage Company, Inc. is an Equal Housing Lender. NMLS # 1788.
Licensing information: http://www.sierrapacificmortgage.com/net/main/StateLicenses.aspx

For more information about career opportunities at Sierra Pacific Mortgage, please visit:

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