Deal Desk Manager

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Full Time Irvine, CA, US

2 days ago Requisition

The Deal Desk Manager serves as a strategic resource for evaluating complex loan scenarios, exception requests, and guideline interpretations to support sound lending decisions. This role partners closely with Sales, Account Management, Underwriting, and Credit leadership to analyze risk, identify viable lending solutions, and provide clear guidance on unique or escalated transactions. The ideal candidate combines strong mortgage underwriting expertise with critical thinking, sound judgment, and the ability to balance customer needs with investor, compliance, and credit risk requirements.

• Review and analyze complex loan scenarios todetermineeligibility, structure, and potential paths to approval.
• Evaluate requests for underwriting exceptions and guideline variances, assessing overall risk and business impact.
• Serve as a subject matter expert on company, agency, investor, and regulatory guidelines.
• Partner with Sales, Account Management, Underwriting, and Operations teams to provide guidance on challenging loan transactions.
• Research and interpret underwriting guidelines to support decision-making and promote consistency across the organization.
• Identify compensating factors and alternative structuring opportunities that support prudent lending decisions.
• Escalate high-risk or precedent-setting scenarios to senior credit leadership and provide well-supported recommendations.
• Communicate complex guideline interpretations and risk assessments clearly and effectively to internal stakeholders.
• Monitor exception trends and recommend process improvements, policy enhancements, or training opportunities.
• Participate in quality control initiatives to ensure consistency and adherence to company credit standards.
• Maintain current knowledge of agency, investor, regulatory, and market guideline changes affecting loan eligibility and risk assessment.
• Assist with special projects, product implementation efforts, and guideline rollouts as assigned.
• Attention to Detail – Looks for ways to improve and promote quality of work and demonstrates accuracy and thoroughness.
• Building & Fostering Relationships
  - Cultivates strong networks internally and externally,leveraging relationships to exchange knowledge, solve problems, and advance organizational objectives.
• Critical Thinking – Thinks critically and creatively to challenge assumptions, explore alternatives, and propose improvements to processes,servicesor outcomes.
• Customer Service – Understands andmaintainsclient needs and relationships, internal and external, as the primary driver of work goals and activities.
• Proactive – Demonstrates forward thinking by planning ahead, seeking out improvements, and acting decisively to move work forward.

This role is fully remote and performed from the employee’s home or another approved off-site location. The company provides essential equipment such as computer, headset and webcam. A reliable internet connection and a quiet, professional workspace are expected. Occasional travel to one of the office locations will be required based upon the discretion of the Company.

• High school diploma or equivalent required;
  Bachelor's degree or equivalent combination of education and experience preferred.
• 5+ years of mortgage underwriting experience withdemonstratedexpertisein agency, government, non-QM, and investor guidelines.
• 2+ years of experience evaluating complex loan scenarios, exception requests, or escalated credit-risk decisions.
• Proven ability to interpret and apply…