Loan Exception Desk

• Maintain oversight of underwriting guideline exceptions.
• Identify emerging risk trends and recommend policy revisions.
• Monitor exception volume, approval rates, and loan performance.
• Participate in credit policy committee meetings.
• Maintain detailed records supporting all exception decisions.

Leadership and Collaboration

• Manage and develop a team of exception analysts and senior underwriters.
• Provide guidance on complex credit scenarios.
• Partner with: Underwriting Sales Capital Markets Secondary Marketing Compliance Quality Control Servicing
• Underwriting
• Sales
• Capital Markets
• Secondary Marketing
• Compliance
• Quality Control
• Servicing
• Act as final escalation point for complex exception requests.

Reporting and Analytics

• Produce and analyze exception tracking reports.
• Monitor performance of approved exceptions against portfolio expectations.
• Present exception trends and risk analyses to executive management.
• Develop key performance indicators (KPIs) for exception management.

• Ensure compliance with applicable federal and state mortgage lending regulations.
• Support internal and external audits.
• Maintain documentation supporting exception rationale and approvals.
• Assist in preparation for investor, warehouse lender, and regulatory reviews.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.

The requirements listed below are representative of the knowledge, skill, and/or ability required.

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

• DE, SAR, or equivalent mortgage underwriting certifications.
• Experience working with private-label securitizations and institutional investors.
• Background in portfolio lending or non-agency credit risk management.
• Experience establishing and maintaining a formal exception approval framework.

• Bachelor's degree in Finance, Economics, Business Administration, Accounting, or related 8+ years of mortgage underwriting, credit risk, or lending experience.
• 5+ years of Non-QM mortgage experience.
• 3+ years of management or leadership experience.
• Significant experience with delegated authority and credit exception approvals

Our benefit offerings include: Medical, dental, vision, wellness programs, EAP counseling services, FSA & HSA, company sponsored life insurance for employee, voluntary life insurance for employee, spouse and child, AD&D Insurance, voluntary short-term and long-term disability, critical illness insurance, accident insurance, legal assistance, pet insurance, living will and trust preparation discounts, commuter program, annual walking challenge, employee appreciation events and monthly sales awards.

At Acra Lending, we were founded with a clear purpose: to specialize in alternative income loan products that help borrowers qualify for our flexible loan programs.

We operate in 39 States, out of nine offices in Arizona, California, Florida, Georgia, Hawaii, Missouri, Nevada, Texas, and Utah along with a growing team of remote professionals across the country.

Throughout the mortgage industry, Acra Lending is widely known for responsible lending practices, product innovation and operational efficiency.

The foundation of our Company is built on helping our customers by providing Non-QM mortgage solutions for today’s borrower in residential and commercial properties across America.

Our Leadership team will encourage you to grow, make time to have fun, and work together to make great things happen.

We embrace the strengths and values of each team member.

We believe in having diverse perspectives where everyone is included, to serve customers from all walks of life.

We reward our employees with a competitive salary and a variety of benefits to help our team members reach their health, retirement, and professional goals along with an exceptional 401k match program.

We look forward to meeting you!